P.I. Roofing

arkansas roof repair

Six Industry Terms You Should Know Before Making an Insurance Claim

If a storm damages your roof, you’ll need to make an insurance claim. Did you know that after these events, policyholders on the same street may not receive the same claim service from the same company? Since property insurance companies aren’t federally regulated, they are diverse in their responses to claims. P.I. Roofing has got you covered. Here are six important terms to know before you make your insurance claim.

1. Insurance Policy

The insurance policy is the contract between you and your insurance company. It tells you exactly what is covered and outlines how you will be paid for damages. It is important to read all of the policy before making a claim so you and your insurance company know what each other’s responsibilities are.

2.Adjuster

Your insurance company employs an adjuster and investigates your claim. They determine whether your claim is covered and decide whether to settle the claim with you. They may be company staff or an independent adjuster. Contrary to popular belief, adjusters are not paid more if you accept a lower estimate. The expertise and accuracy of adjusters can vary widely throughout the industry.

3.Deductible

This is the dollar amount that you must pay before coverage. Your insurance policy outlines your deductible, which you and your insurance company have previously agreed on.

4. Depreciation

Depreciation is the decrease in value due to age, weather exposure or even wear and tear. This is determined using the manufacturer’s expected lifespan for the roofing material. Usually, depreciation begins the day your roof is installed.

5. Replacement Cost

This is the cost of replacing your roof. It is the dollar amount necessary to replace the roof without deducting for depreciation. Your insurance company determines a maximum replacement cost.

6. Actual Cash Value

The value of your roof when the damage occurred. You determine the actual cash value by subtracting the depreciation from the Replacement Cost.

Getting roof damage covered by your insurance company can be a long and arduous process. While each insurance claim is unique, we’ve worked on thousands of claims submitted, processed and paid by insurance companies. By partnering with P.I. Roofing, we can work with you to submit your insurance claim correctly to your insurance company and replace your roof quickly and accurately. So when bad weather strikes, give us a call at 501.812.5164 or go to https://piroofing.com/contact. We are ready 24/7/365 to repair the roof and help you with your insurance claim!

5 Reasons You Really Should Clean Your Gutters

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You clean the windows, mow the lawn and switch out wreaths depending on the season; but gutter cleaning? That continually gets pushed further and further down on many homeowners’ to-do lists. While we understand it might not be the most glamorous chore in the lineup, it’s an important one nonetheless. Don’t believe us? Here’s why you should.

 

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The Gift That Keeps on Giving

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You’ve unstuffed your stockings and torn open all of the boxes under the tree… or so you thought. Our team at P.I. Roofing found one more gift that missed the Christmas morning mayhem, and trust us– it’s a doozy. It’s peace of mind that you, your home and most importantly, your family, are safe. Learn about how we gift this to you each and every year below.

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Holiday Decorating Without Damage: Roofing Edition

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It may be the most wonderful time of the year, but between storms, snow and holiday decorations; it can also be a dangerous one for Arkansas roofs. That’s why, in the spirit of the season, P.I. Roofing is gifting you with the tips and tricks for decorating your home without damaging it. Read on to learn what we recommend, and what makes Santa himself say, “Ho Ho NO!”

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How to Buy a Roof

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Roofs aren’t something that the average homeowner purchases regularly. They don’t add it to their grocery list or pick one up on a whim while waiting in line at the cash register. It’s a nerve-racking, expensive investment on its own; and when you add “on the spot” decisions, like major storm damage, it can be nearly debilitating. That’s where P.I. Roofing comes in. Read on to learn how to buy a roof before you ever need to.

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Is Your Roof Emergency-Proof?

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The truth is, disasters happen. And even worse, they don’t plan ahead. Your family, on the other hand, can. In the spirit of National Preparedness Month, the team here at P.I. Roofing has some recommendations for making sure you (and your roof!) are ready.

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Sun Tunnels: Are They Worth It?

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No matter how “natural” bulb manufacturers claim to make fluorescent lights, one thing remains true– they’re hideous. It may sound harsh, but in our opinion, there’s simply no competition between warm and cheerful natural lighting and the drab and dreary artificial. That’s why we love our VELUX tubular skylights, Sun Tunnels. Are they actually worth the hype we give them though? Read on to find out…

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Sun Damage: Roofing Edition

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We all know the effects the sun can have on our skin. But what about that other outer layer that protects us? That’s right– we’re talking about your home. More specifically, your home’s roof. Read through our list of the top 4 signs that the scorching sun is assaulting yours.

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Myth Busters: Roofing

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Unlike paper towels, milk or even a new home; a new roof is something that many homeowners will only purchase once in their lifetime. Because of this, there are a lot of industry unknowns that result in incorrect information being passed around. That’s where we come in– to demystify the world of roofing and clear up any myths that may have been created.

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