Archives FAQs

Yes, most policies cover damage that occurs during storms, including resulting leaks. However, if your roof had pre-existing damage that contributed to the leak, the claim might be denied.

If the leak is caused by a sudden, covered event like wind or hail damage, then yes. If the leak results from normal wear and tear or neglected maintenance, then typically no.

Most standard homeowners policies cover roof replacement if the damage is from a covered peril and your roof is under 15 years old. For older roofs, you may receive actual cash value rather than full replacement cost.

No, waiving deductibles is illegal in states like Texas under HB 2102, as it’s considered insurance fraud, per the Texas Department of Insurance. Choose a reputable contractor and use our tool to ensure a transparent claim process.

Request a re-inspection with a contractor present to document overlooked damage, or appeal with your insurer, as advised by Beyond Exteriors. Our tool helps you revise your letter with stronger evidence.

Most policies require filing within one year of damage, but some states like Texas may have shorter deadlines, per the Texas Department of Insurance. Act quickly and use our tool to generate your letter fast.

Filing a claim may raise premiums, especially if you have multiple claims, but storm-related claims often don’t, as entire areas are deemed higher risk, per Ged Lawyers. Use our tool to ensure your claim is well-documented to avoid issues.

Attach clear photos of the damage, contractor estimates, repair receipts, and state-specific forms like Texas Form PC068, as recommended by NAIC. Our tool lets you upload these directly for a complete letter.

Check your policy for coverage of sudden events like storms or hail; wear and tear or neglect isn’t covered, per the Insurance Information Institute. Contact your insurer or use our tool to draft a claim letter with the right details.

Automated systems use robots to clean panels regularly. They are worth considering for large installations or in very dusty environments where manual cleaning is frequent.

DIY cleaning costs are minimal (just water and soap), while professional services typically cost between $150 and $500 for residential systems.