Straight answers, no filler.

Not necessarily. Denials can be appealed, especially if the original inspection was incomplete or the adjuster missed damage. We'll look at the denial letter, go back on the roof, and tell you whether we think a supplement or re-inspection is viable. We've reopened many claims other contractors gave up on.

A supplement is an additional line-item request filed with your insurance company after the initial approval, to cover damage or code-required work that was missed or underpaid in the original scope. Supplements are common and legitimate — they're not confrontational, they're paperwork.

Yes, always. Under NC law and most policy terms, your contractor cannot waive, absorb, or otherwise discount your deductible. Any contractor who offers to do so is asking you to commit insurance fraud. We comply with the law — your deductible is your responsibility.

You. We document damage thoroughly so your carrier has no legitimate reason to underpay. We meet the adjuster on the roof and advocate for the full scope. We file supplements when warranted. The insurance company writes the check; we make sure it's the right amount.

Yes. Bring us the other roofer's report and we'll give you an independent assessment. We've found claimable damage on roofs that others passed. Sometimes the difference is knowing what to look for and where.

ACV (actual cash value) is what your insurance company pays first — replacement cost minus depreciation for your roof's age. RCV (replacement cost value) is the full replacement amount, paid after the work is completed and you submit proof. Many policies withhold depreciation until project completion. We'll walk you through both checks when they arrive.

Not before insurance approval. On insurance-funded jobs, we don't ask for a deposit until your claim is approved and your first check is issued. On cash jobs, deposit terms are specified in the written estimate.

Cash, check, and major credit cards are accepted. Financing is available through select partners if you need to bridge a deductible or pay for upgrades. Payment terms are laid out in the contract before work begins.

Yes. We can work with financing partners for fully out-of-pocket jobs too — repairs, replacements, or upgrades not tied to an insurance claim. See our financing page for more detail.

It can, depending on your carrier and your claims history. That's a conversation to have with your agent before filing — we're not insurance advisors and we won't tell you what to do. What we will say is: if the damage is real and claimable, you've already paid premiums for this exact situation.

No, not as a standard practice. NC contractors have the right to file a lien if a bill goes unpaid, but we work hard not to get there. We're clear about payment terms upfront and we follow them. A lien is a last resort, not a tool.