Most insurance policies have a time limit for filing claims, typically within one year of the damage occurring. However, this can vary by insurance company and policy. We recommend filing a claim as soon as possible after discovering damage to avoid any issues with time limitations.

Insurance premiums may increase after filing a claim, but this depends on many factors including your insurance company's policies, your claims history, and the nature of the damage. Storm damage claims are often considered "Act of God" claims and may have less impact on your premiums than other types of claims. We recommend discussing this with your insurance agent.

Yes, you are legally obligated to pay your insurance deductible. This is the amount you agreed to pay out-of-pocket when you purchased your insurance policy. We will work with you to understand your deductible amount and include it in our project estimate.

If your claim is denied, we can help you understand the reason for the denial and assist with the appeals process if appropriate. Sometimes claims are denied due to insufficient documentation or misunderstandings about the extent of the damage. Our team can provide additional documentation and evidence to support your appeal.

The timeline for the insurance claims process can vary depending on several factors, including the complexity of the damage, the responsiveness of your insurance company, and current demand for adjusters (which can be high after a major storm). Generally, from initial inspection to completion of repairs, the process typically takes 2-6 weeks, but we'll keep you informed throughout the process.