Frequently Asked Questions
What is a “restoration” contractor?
A restoration contractor focuses on the restoration of a building after a serious event. Examples could include a serious hail storm, a hurricane, a lightning strike, or even a flood or fire. Typically, this sort of thing involves property insurance, since that’s the sort of event that we have insurance for.
What does my home insurance have to do with this?
Most homeowners use their home or property insurance to help pay for repairs after a catastrophic event. After all, that is why you have the policy. At Regal, it is our job to make sure that your insurance is used as effectively and fairly as possible for your benefit.
Don’t insurance companies always pay for what I need when I file a claim?
Every insurance company and every policy is different. Some policies cover things that others don’t, like upgrades required by building code changes, or even entire sections of your home. Insurance companies all behave differently, and no company gives away money that they don’t have to. In most States, only your insurance agent can *legally* answer policy questions, no matter how much we might know from experience. The simple answer is, having an experienced contractor on your side can often mean a difference of many thousands of dollars, which can make a huge difference for the proper restoration of your home.
What do I need to do during the claim process?
When working with Regal, almost nothing! Our job is to determine if a claim is necessary, help you file it by giving the insurance company all of the information they need, helping your adjuster get the claim approved, and then help the insurance company determine all of the work that needs to be done to restore your property. Finally, Regal will always do the work for the price that your insurance company agrees to. There are no surprise bills at the end!
What about deductibles?
Every policy has a different deductible, and you should ask your insurance company about yours, and when it applies. If you have a deductible that applies to your claim, it is paid to the contractor who completes the work.
A storm damaged my roof; can it be repaired instead of replaced?
Maybe. Many factors have to be considered when determining the best course of action. Some roofs can easily be repaired with new shingles. Others can be repaired, but the repair would be so expensive that it just wouldn’t make sense. Some roofs simply aren’t repairable, due to age, extent of the damage, type of shingle, etc. The best thing to do is to have a roofing professional inspect your roof for damage and reparability. Let a roofing professional, not an insurance professional, determine if the roof can be repaired, or needs to be replaced.
I have Atlas Chalet shingles on my home. What does that mean?
An Atlas Chalet roof that has suffered damage cannot be repaired using any shingles currently on the market. For more information, see our Atlas Chalet page.
I am trying to buy/sell a home with Atlas Chalet/CertainTeed Horizon/faux architectural shingles, and this is preventing the sale from going though. Can you help?
This is extremely common. No one wants to purchase a home with a potentially significant problem. Others may have trouble finding insurance for the home, because insurance companies don’t want to insure a high-risk home. There are many different scenarios that can arise here, so call us today to discuss your situation.
Other contractors have told me that my insurance company won’t help me. What can I do?
All insurance carriers have their own internal policies and criteria for how to handle claims. Contact us to talk about your situation, and we can give you a more complete understanding of the situation. Be sure to contact us first! If you contact your insurance company without us, you may give them incomplete information, and end up having your policy cancelled!