Frequently Asked Questions

Veteran Owned & Operated in Northern Virginia. Rooftop Genius brings over 10 years of restoration experience and thousands of successful projects in the Virginia & Maryland markets. 

Insurance companies include coverage for hail and wind damage because they are events out of your control, also known as Acts of God. Property damage resulting from a storm is not an act of negligence or directly attributable to someone that can be held accountable. If homeowner's insurance didn't cover these events, why have it at all? 2. When your roof is damaged by a hail or wind event, it is in the best interest of the insurance company to pay to replace it before more significant issues arise such as water-saturated insulation and/or drywall repairs. 

1.) Insurance companies include coverage for hail and wind damage because they are events out of your control, also known as Acts of God. Property damage resulting from a storm is not an act of negligence or directly attributable to someone that can be held accountable. If homeowner's insurance didn't cover these events, why have it at all? 

2.) When your roof is damaged by a hail or wind event, it is in the best interest of the insurance company to pay to replace it before more significant issues arise such as water-saturated insulation and/or drywall repairs. 

It is illegal for insurance companies to raise premiums due to natural disasters. However, insurance companies have to assess risk somehow, and when severe storms do affect an area, typically that entire zip code will see an increase in its property insurance rates. As a result, it is in your best interest to file a claim anytime there has been a significant storm and your property has been properly assessed for damage. 

If your claim is approved for a roof or siding replacement, your only out-of-pocket expense is your deductible. Additional expenses are only incurred if you elect to pay for upgrades or would like additional work done not included in the original scope of repairs. 

Many insurance companies will encourage policyholders to get multiple estimates after a severe weather event. While there are instances when insurance companies write a fair and proper estimate, it remains rare that the initial estimate provided is not low-balled in some way. Encouraging policyholders to get multiple estimates is often times an attempt to lower the insurance company's payout for the claim as they are only required to pay the lowest bid for the work to be done. However, chances are, the lowest bid will not be the highest quality work.