No. The kind of damages we focus on (wind, hail, and flood) are considered 'acts of God' in insurance law. You didn't contribute in any way to the loss; therefore, you as the policyholder cannot be penalized with a rate increase.
This depends on your carrier. 1W Roofing & Construction (OWRR) will do an immediate damage inventory and assist with filing the claim. Then it's up to your insurance company to respond. Typically, they take two weeks to send an adjuster out. then mail to you their findings. If the scope is complete and takes into account all actual damages. we begin work immediately and bill your insurance company directly for the outstanding balance and any extras. The entire process - from the initial meeting with the Project Manager until all the work is done - can be completed in two to four weeks.
Nothing prevents you from doing this. Be aware however that OWRR can typically get 50 to 100% more work ordered from the insurance company than you could doing it alone. Why? We are experts at identifying damage and properly estimating the cost of having it repaired. And as far having someone other than OWRR doing the work, it might go well - or it might not. Wouldn't you rather entrust the work to a company with our expertise, references, and deep local connections?
We have found that if the claim is properly filed and all the damage clearly marked and estimated for the insurance company adjuster to review, a denial is rare. Should it happen, based on actual damages we might advise you to refile the claim. We will meet with a second adjuster to review damages. If the insurance company denies it again, there is no obligation to you whatsoever.
Typically, yes. Your insurance company expects you as the policyholder to cover the deductible portion before they pay for any damages. However, it is sometimes possible to credit the deductible (or a portion of it) back to you if you decide not to have part of the work done. If you cannot pay your deductible in full, OWRR will make reasonable accommodation such as offering a payment plan.
Absolutely. Our work is warrantied for 10 years. In addition, many products we use carry much longer materials warranties, some for as many as 25 or 50 years - even lifetime warranties! Check with your Project Manager.