FAQs

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.

Use a soft brush, mild soap, and water. Avoid abrasive materials or high-pressure washers that can damage the panels.

Yes, but ensure you take proper safety precautions, especially if accessing the roof. If you’re uncomfortable with heights or unsure about safety, hire a professional.

Generally, every six months, but it depends on your location and environment. In rainy areas, natural cleaning may suffice, while in dry or dusty areas, more frequent cleaning may be needed.

Improper installation, like cutting below old lines, can cause leaks within 2 years, so professional work is crucial.

Yes, e.g., stepped flashing is less common in Canada due to pricing, varying by local climate and codes.

Avoid cutting brick, use mortar joints, solder seams, and add lead in joints for a durable, watertight seal.