Deductibles
Your deductible is the portion of a covered loss you pay. Some policies use a flat dollar amount; others use a percentage of the home's insured value, sometimes only for wind or hail. Check your declarations page so you know what to expect before repairs begin. A reputable contractor will not offer to waive or absorb your deductible.
ACV vs. Replacement Cost in Plain Terms
- Replacement cost value (RCV): what it costs to repair or replace the damaged items with similar materials today.
- Actual cash value (ACV): replacement cost minus depreciation for age and wear.
Many replacement cost policies pay in two steps: an initial ACV payment, then the withheld depreciation once the work is completed and documented. ACV-only policies do not pay that second amount. Knowing which you have changes how you plan.
Supplements and Overlooked Items
Sometimes an estimate misses things: drip edge, starter strips, flashing, ventilation components or extra damage found once old materials come off. A supplement is a request to the insurer to add those items, backed by photos and measurements. We document these issues and give you the supporting information to submit. Our article on filing a roof insurance claim in Mississippi covers the process step by step.
Where We Come In
We inspect, document, attend the adjuster meeting if you would like, and complete the repairs your claim covers, along with any upgrades you choose to pay for separately. We do not negotiate your claim on your behalf; the policy is a contract between you and your insurer. For the roof side of the work, see our Grenada roofing services.
Common Questions
How soon should I contact a contractor after storm damage?
As soon as it is safe. Early documentation and temporary repairs protect the home and help your claim move smoothly.
What storm damage is typically covered?
Sudden wind, hail and falling-tree damage usually is covered, subject to your deductible and policy terms. Gradual wear and maintenance issues generally are not.
Can you help if my claim is denied or delayed?
We can provide additional documentation to support a reinspection request. If a dispute continues, ask your agent about the options in your policy.
How long does a full restoration take in Grenada?
Most roof and siding restorations take from a few days to two weeks once materials arrive, depending on scope and weather.