FAQs

Insurance Claim FAQ’s

Begin your claim process.
If you notice a leak, protect your valuables from any additional damage.
Inspect your roof for storm damage from the ground level (safety first).

If shingles are missing, hire a qualified roofing contractor to replace them, ensuring your roof can effectively shed water while you consider a potential full roof replacement.
If you don’t have missing shingles but suspect damage, you have time to arrange for proper repairs. Don’t feel rushed to fix it immediately.

Damage may not always be visible on the top of the shingles; it’s essential to check the underside for signs of hail damage. Hire a qualified professional to assess any possible damage.
Ensure your roof’s drainage system (gutters and downspouts) is free of debris and effectively directs water away from your home.
Address any damage to siding or windows promptly to prevent water intrusion.

Be cautious of pressure from door-to-door salespeople claiming to be “working in the area.”
Obtain competitive quotes from at least three contractors (preferably those affiliated with ARCA or AARA). Ensure they have:
WCB coverage for roofing (42118)
A valid business license in your area
Insurance coverage
Qualified journeyman roofers
Approval from the manufacturer as an installer (meeting minimum standards).

Before any work begins, make sure there’s a signed contract detailing what is included and the payment terms. A small deposit (up to $1000) might be needed to secure the agreement.
Once the work is finished, have your roof inspected by an independent inspector accepted by ARCA or AARA.

Removal of the old roofing material and repair/replacement of any damaged sheathing as needed.
Installation on a clean, dry, and fully sealed sheathed deck (with taped seams or a fully adhered membrane).
Continuous underlayment throughout the installation.
Class 4 rated roof system, such as shingles and capping that meet UL2218 or FM4473 standards.
Starter shingles at the eave and rake edges to create a double seal against wind, or as specified by the manufacturer.
Six nails per shingle or as specified by the manufacturer.
Replacement of damaged drip edges.
Installation of valley flashings as recommended by the manufacturer.
Ice and water shield (eave protection) at lower drip edges.