Insurance FAQs

Confidently Managing Your Roof Insurance Claim

What should I do with this check?

The process depends on your situation. If your mortgage company is a local bank, some branches may be able to endorse the check for you. In other cases, it might need to be mailed to your mortgage company. Either way, your project manager will guide you step by step to ensure it’s handled correctly.

My insurance company suggested I get three estimates. Is this necessary?

Not always. While some insurers recommend multiple estimates, Limitless Roofing provides detailed, accurate quotes that meet insurance requirements. Your project manager can help determine if additional estimates are needed or if our estimate alone is sufficient for your claim.

What does it mean when my project manager says the work will be completed “per insurance proceeds”?

This means your roofing project will be carried out using the funds approved by your insurance company. Your project manager ensures that all repairs or replacements follow the coverage and limits outlined in your insurance policy.

What is a “change order” my project manager wants me to sign?

A change order is a formal document that outlines any adjustments to your original roofing project—such as additional work, upgrades, or unforeseen repairs. Signing it confirms that you understand the changes, costs, and any updates to your project timeline.

What should I do if my insurance adjuster denied my claim?

If your claim is denied, don’t panic. Start by reviewing the denial letter carefully to understand the reason. You can then contact your insurance company to discuss the decision, provide additional documentation, or file an appeal. Your project manager at Limitless Roofing can also guide you through the process and help ensure your claim is properly supported.

If I file a claim for storm damage, will my insurance rates increase?

Not necessarily. Filing a claim for covered storm damage doesn’t always lead to higher premiums. Insurance companies consider multiple factors when setting rates, and your project manager can help you understand how a claim might affect your policy.

Why does my insurance check include my mortgage company?

When a home is financed, your mortgage lender has a vested interest in protecting the property. That’s why insurance checks are often made out to both you and your mortgage company. This ensures the funds are used to properly repair or replace your home.