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Frequently Asked Questions
Depending upon your homeowners policy, in most cases if your home is approved, you will only pay your deductible plus any upgrades. Your insurance company will handle the remaining costs.
Definitely NOT! We work strictly from the insurance proceeds deemed prudent from your insurance company.
Clear Skies Restoration is compensated by insurance proceeds from your insurance carrier. We will conduct all insurance meetings, price negotiations, and insurance invoicing on your behalf in return for the production contract on your home.
Yes, however we strongly discourage homeowners from doing this. This meeting is the most critical part of the entire process. We highly recommend allowing our contractor to handle the meeting on your behalf. We have experience working with insurance companies.
NO, in most cases however, regardless if you file a claim or not, your insurance carrier will increase your premiums due to catastrophic events in your area and throughout the country. Simply compare your rates three years ago until today. You pay premiums for events that take place like this, do not be intimidated by your insurance agent or carrier when it comes time to file your claim on damage your entitled too.
If the insurance company does not approve your home, there is no contract. If the insurance company does approve your home, then Clear Skies Restoration has first right of refusal to complete production. If we get your home approved, all we ask is that you have us complete what we started, the job. This total cost of your project will be determined by the insurance proceeds and your deductible.
In Georgia, insurance companies generally cannot raise your individual rates for "Acts of God" like hail or wind. However, rates often rise for an entire zip code after a major storm—so if you don't file a claim, you may end up paying for your neighbors' roofs through higher premiums anyway.
ACV (Actual Cash Value) is a depreciated payout based on the age of your roof. RCV (Replacement Cost Value) covers the full cost to replace the roof today. We help you navigate your specific policy to maximize your payout.
No. Under Georgia Law (HB 423), it is illegal for a contractor to pay, waive, or "absorb" a homeowner's insurance deductible. We pride ourselves on operating with 100% integrity and following all state regulations to protect you from fraud.