Frequently Asked Questions

Most hail or storm damage goes unnoticed with an observation from the ground. You need a trained eye on your roof to inspect closely for damage. In most cases, hail or storm damage does not cause your roof to leak immediately. However, it does ruin your roof, and you may start having leaks within a few months if it is not replaced.

It is not necessary to get multiple quotes. They often say this because it is essentially doing the bargain shopping for the insurance company. At 1st Source Contractors, we take the Hassle-Free Pricing approach to all insurance claims. This means we do all work for the insurance allowance. Your only out-of-pocket expense is your deductible and any selected upgrades.

1st Source Contractors is experienced in getting your claim handled correctly. If your insurance company stated that you do not have hail or storm damage, we would like to give you a second opinion. After inspecting your roof closely, if we find damage, we’ll take care of the process of getting your roof re-inspected and work on your behalf to get your claim accepted. We have been successful in getting many homeowners new roofs after the original insurance adjuster declined the claim. Our attention to detail during inspection often uncovers signs of hail or storm damage that many insurance adjusters erroneously overlook. Often damage is “accidentally overlooked” if there is not another contractor to contradict what the adjuster has to say.

Your insurance company covers the cost of your roof minus your deductible. With average deductibles, you often have minimal out-of-pocket expenses at all. We will then request the actual cash value (ACV) from the insurance company for the work completed after each trade. The final balance will be requested once the last check has been received from the insurance company.

We are a “General Contractor,” which means we can take care of all your hail storm damage needs, not just your roof. We can take care of your roof, gutters, siding, paint, windows, screens, and more. You don’t need to hassle with your insurance company AND a handful of different contractors. We take care of everything for you.

Yes. From meeting your insurance adjuster to overcoming price discrepancies and invoicing the insurance company when your job is complete.

Sometimes. We strive to keep the customers’ out-of-pocket expense at $0.00. To do this, we find which items do not have to be repaired, and we use this money to cover the cost of the deductible and any selected upgrades. Often there are more than enough funds to cover those expenses, and the rest is yours to keep.

No. Insurance companies only release depreciation once a final invoice from the contractor doing the repairs is provided. Suppose an invoice comes in for a lesser amount and the same scope of repairs. In that case, the insurance company will pay based on the lower estimate. The insurance companies intend to pay for the repairs, not pay for the repairs and give additional sums to the insured.

Almost all homeowners have Replacement Cost Value (RCV) policies. With nearly all RCV policies, the insurance company retains a portion of the loss for what they call depreciation. This is a recoverable depreciation that will be released after the desired repairs are completed. Depreciation will only be released on the items that are repaired.

No. We do not require any down payments for residential repairs. We will request the first payment after the roof is completed, but only for the roof portion that has been received.

No. We simply need access to outside power and water.

1st Source Contractors will notify you prior to the start.

All gates need to be unlocked during installation for access to the entire property.

If you have a dog, please keep him tied up, away from the house, or keep him indoors.

Children should not play around the exterior of the house during the roof replacement process.

Please make sure shoes are worn around the house at all times during roof replacement and for 30 days after.

Please remove all pictures from walls due to slight vibrations that may take place.

Please have vehicles out of the driveway and garage before the roofing begins and until roof completion.

=> Please cover or remove all items stored in attics.

Normally between one and two days, depending on the size of the home and the pitch of the roof.

We monitor the weather very closely and only remove what we can replace in the same day. We also carry tarps for any unexpected emergencies. When we leave at night, your roof will be completely watertight.

We have a dedicated in-house staff that helps with this process. If you would like, we can handle this entire process for you. We will have you sign a Mortgage Affidavit, giving our company permission to manage this process with your mortgage company for you. If you prefer, you can handle this process yourself, and we will get you the documents you need to help complete this process. Sometimes mortgage companies return the funds immediately. Other times, they release it in portions after repairs and inspections are completed.

Indeed, most major shingle manufacturers are very close to one another in price and quality. We have access to all name brands, including GAF/ ELK, CertainTeed, Owens Corning, TAMKO, and Atlas, as well as a full line of premium roofing materials, including tile, metal, slate, and engineered products.

Yes. Proper attic ventilation is crucial in maintaining healthy roof decking and extending the life of the shingles. Adequate ventilation eliminates moisture in your attic that is harmful to your wood decking. Improper ventilation will ruin your roof. We’ll notify you if your attic provides inadequate ventilation and add the necessary ventilation as needed.

Yes. Each of our job sites is cleaned during the roofing process and at the end of every workday. We go over your property with a magnetic hand sweeper daily.

Yes. We require external power and water to be available each day.

Yes. 1st Source Contractors has extensive experience with local building codes. We will not do any work that does not meet code requirements.

We only invoice for work completed and monies received from the insurance company. We will handle the necessary paperwork to get the depreciation released from the insurance company after the repairs are completed. We will not invoice you for the final amount until we know the depreciation has been received.

No. This is textbook insurance fraud. The insured is always responsible for the deductible. If a contractor is willing to defraud your insurance company, what would they likely do to you?

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