Jagris is a team with over 20 years of experience that speak multiple languages to make a stressful experience easier. We understand that roof insurance claims in Florence can be a time-consuming and confusing process, but as a family-owned and operated company, we’re here to help. Everything is done in-house, so you don’t have to jump through hoops or talk to an overwhelming amount of people for answers to your questions. We’ll treat you like family by helping you decide when to file a claim and talk you through the entire process.
Reach out to our team today at (256) 576-8933 with questions about how to file a claim and be treated like family!
When Should I File a Claim?
You know that you should have homeowners’ insurance, but it may be confusing how to use it when the time comes. You may have heard that you’ll lose coverage or a discount for filing a claim, but that’s not true. Below are some tips to help you understand your insurance and when to file a claim.
First, you must understand the policy. Homeowners insurance aims to help you recover after an unexpected loss. They may pay what your old roof was worth or a “replacement cost” for the cost of a new roof. The most common coverages include fire, water, and storm damage. Avoidable situations like leaving a candle unattended or not properly maintaining your plumbing can cause your insurance costs to increase. However, unavoidable instances like hail or wind damage will not penalize you.
You should know how many claims you’ve filed in the past five years. Most homeowners only file one or two claims every ten years. Avoid filing too many claims by not filing a claim for things that aren’t covered or that you can fix on your own.
Another factor to consider is your deductible. If you have a large deductible and the repair costs are less than your deductible, it may not be worth filing a claim. A claim will stay on your record for three years and will may you look like a high-risk customer.
It’s important to review your policy to see if you’re covered for actual cash value (ACV) or replacement cost value (RCV). If you’re only covered for ACV and your roof is 15-20 years old, it may not be worth filing a claim. Consider filing a claim if you’re covered for RCV and have a low deductible.
“This is by far the best roofing company in Alabama. Amazing customer service and very outstanding workers in this company. They came out to my house fast and prompt in my time of need and handled business. GREAT PRICES !!!!” - Jerell K.
“A company of their word. Very professional company that does amazing work. Thanks guys!” - Trey H.
“I contacted Jagris and one other company for quotes. Jagris gave a very fair bid. The job was started and completed in the timeframe I was given when I awarded the job to Jagris. I would definitely recommend this company to family and friends.” - Monie W.
“JAGRIS provides great, affordable services and are dependable when you need them. Give them a try and you will not be disappointed.” - Ron C.
“Did a great job on my house, they did exactly what I wanted. And also finished when they said they would!! I highly recommend for any roofing jobs!!” - Tyler N.
“We just had a metal roof installed by Jagris, which is our second project with them. The work was completed in a timely manner. The crew was respectful and came when they said they would.” - Judy B.
“Great experience, very friendly and efficient workers! Chris Whitmeyer did an awesome job.” - Kate C.
“John (rep. from JAGRIS) came to my home. I discussed some of the problems I was experiencing with my current gutters. After he looked around my home, he gave me some recommendations on possible solutions.” - Anthony O.
You may have more questions about the process of roof insurance claims in Florence, so here are some answers to common questions:
Who should I contact first?
Call Jagris first for a free inspection and help with your insurance company. Then talk to your insurance about the next steps.
Will my insurance rates increase?
No, your insurance should not increase for unavoidable, weather-related damage.
How does payment work?
The two types of payments include ACV and RCV. For ACV, you will receive one payment for the value of your roof. With an RCV policy, you’ll receive an initial payment for the cost of a new roof minus the deductible and another payment after work is completed. At Jagris, we don’t take any money until the last screw is in.
Jagris is a family-owned and operated company that has spent 20 years caring for our customers. We're the team to call when you need expert help with roof insurance claims in Florence.