You are protected by Ohio Administrative Code 3901-1-54. In Ohio, if an insurance company replaces damaged items (like shingles or siding) and they cannot find a match that results in a "reasonably comparable appearance," they may be required to replace the undamaged matching area as well.

• For Roofs: If your shingles are discontinued or heavily faded and a patch would look like an obvious eyesore, we can advocate for a full slope or full roof replacement to ensure uniformity.

• For Siding: This is common with vinyl siding that fades over time. If a repair would leave your home looking "patchy" or mismatched, Ohio regulations support replacing the entire elevation or house to maintain its value.

This is the most important part of your policy:

• RCV (Replacement Cost Value): The insurance pays what it costs to replace your roof today with brand-new materials. This is the best coverage.

• ACV (Actual Cash Value): The insurance only pays for what your roof is worth now (after depreciation). For example, if your 20-year shingles are 15 years old, they might only pay roughly 25% of the replacement cost.

• Tip: Check your policy paperwork (specifically the "Declarations Page") to see which coverage you have.

No. In Ohio, it is illegal for a contractor to pay, waive, or rebate your insurance deductible. Any contractor who offers to "eat" your deductible is asking you to commit insurance fraud. To do so, they would have to send a false invoice to your insurance company. If a contractor is willing to lie to your insurance carrier, they are likely willing to cut corners on your roof. We operate with 100% integrity and will never put you at legal risk.

Rarely. Insurance adjusters use software to determine pricing, but they sometimes miss code requirements or current material costs. We will work directly with your insurance carrier to provide a "supplement." This is a request for additional funds backed by photos and code documentation. If they approve the supplement, they cover the difference, not you. Your only out-of-pocket cost should be your deductible (plus any upgrades you voluntarily choose).

Generally, insurance companies cannot raise rates for a single homeowner due to a "No Fault" claim (like a storm, hail, or wind event). However, if a major storm devastates an entire zip code, rates in that area may rise for everyone, regardless of whether you filed a claim. Since you are already paying for the risk, you might as well utilize the coverage you have.

A Contingency Agreement is a standard form that says: "If your insurance company approves the roof replacement, you agree to use us as your contractor."

• If the claim is denied: The contract is void, and you owe us nothing for the inspection.

• If the claim is approved: We perform the work for the price the insurance company agrees to pay. This protects you from being stuck with a bill for a roof you can't afford.