Frequently Asked Questions
There was a bad hail storm that hit my home this week. I looked at my roof and didn’t see any problems. I called in my roofer, he inspected it and said there were no problems. So, I don’t need to file a claim, correct?
At Malybuilt, we have over 40 years of experience assessing roofing damage. If you’re not sure about whether or not you need to file a claim, call us, and we’ll gladly come to inspect your roof for any damage.
What about my insurance claim file time? It’s already past one year. Is it true that I only have one year to file my insurance claim?
It’s always good to check with us if you think you have hail damage, even if it’s past the claim’s due date. We’ve been serving Nebraskans for 3 generations, so we know what to look for, and we can help you with your insurance claim.
The Long Answer: It used to be that insurance companies wanted you to collect estimates from contractors to send back to the insurance company. The insurance company would then typically pay out based on the lowest estimate received, which homeowners obviously were not thrilled with.
Now, what happens is the insurance adjuster writes the amount they are willing to pay out for the damage found using software that determines a fair market value price for materials and labor in each city.
So, instead of collecting estimates, you want to focus on finding a local, reputable contractor to work with. Like us.
My roof is new. That means it’s covered by the manufacturer’s warranty, home builder, or contractor, correct?
Manufacturers don’t include hail damage in their product warranty. Same with home builders and roofing contractors. This means you have to go the insurance company route.
Overwhelmed? Let us help.
I was told my roof has minimal or very little damage, and therefore, I don’t need to file a claim. I’m good to go, right?
While hail damage may not cause a physical problem for many years, it can lead to leakage and water damage. That’s why you need to get a qualified contractor like Malybuilt to make sure your roof is inspected properly.
We’ve been repairing and installing roofs for 3 generations. With over 40 years of experience, we know what level of skill it takes to get the job done right AND to last a lifetime.
I want to make sure my rates don’t rise. If I don’t file my claim, my insurance company won’t raise my rates, is that correct?
My insurance company offered to send a contractor of theirs out to inspect my property. It seems easier to just go with them. Why hire you?
At Malybuilt, you are more than just a customer. You are an extended part of our family.
So, you should understand. . .
A preferred contractor or vendor answers to the insurance company, not to you. Their loyalty lies with the person who pays them, and in this case, it’s a boss at the company.
You want a contractor that is 100% on your side when evaluating damage, so you get a fair assessment. READ MORE.