No. Homeowners Insurance does not work like Auto Insurance. You will not be penalized for filing a claim, however, because of your geological location rates will likely increase due to substantial storm damage sustained in your area.

A hail hit on a shingle looks like a “bruise” or a dark spot where the granules on the shingle have been knocked off and the underlayment or fiberglass mat is exposed. New hail hits will have a shiny appearance because the asphalt has been freshly exposed and the sun has yet to weather it to a dull color.

Valiant Roofing was founded by a former insurance adjuster and is based out of Jackson, Wisconsin. Unlike the big storm-chasing companies, we don’t bring people in from Texas. We were here before the storm and we’ll be here long after the storm chasers go on to the next one.

The 1st check you receive covers the actual cost to repair or replace damaged property minus depreciation. When work is completed, the insurance company will issue a 2nd check for the recoverable depreciation amount.

Your insurance company has a defined price list they use and will only pay actual costs for repairs, regardless of what prices you may get. Think of it this way: What reward will the insurance company give you for finding the lowest price for them? Will they lower your premium? Your insurance company will pay a reputable contractor only a “fair market price”.