Frequently Asked Questions
What is storm damage and insurance restoration?
High winds and hail storms can cause significant damage to your home. It can rip off roofing shingles and siding and damage windows, doors and other exterior items exposing the structure of your house to the elements. During a severe rainstorm, this can lead to water damage too.
Most insurance policies cover damage caused by wind, hail or falling trees related to storm damage. Review your policy to see what your specific policy covers.
I have storm damage. What do I do now?
Once you have called your family to let them know you are safe, the next phone call should be to CapCity. Our Project Manager will meet you to a complete, no-cost assessment of your property, and report our findings to you.
If you do not have significant damage on your roof or other exteriors to justify filing an insurance claim, we will let you know and help you make any minor repairs needed. But if you do have storm damage, we will sit with you while you speak to your insurance company and begin the insurance restoration process.
Does CapCity work with all insurance companies?
Yes! We work with all major insurance companies and are familiar with the insurance claim process. After we conduct an initial inspection and you make a claim with your insurance company, our representative will be present when your insurance company sends an adjuster to your home.
If I have storm damage, how much will it cost me to replace my roof?
Unlike other contractors who require you to pay for work and then seek reimbursement from your insurance company, we will not require you to pay anything out of pocket except for your insurance deductible and rotten decking over three sheets.
Will my homeowners insurance rates go up if I file a claim?
Homeowner’s insurance is not based off of your individual home record, unlike the way auto insurance rates are based on your driving record. Insurance actuaries look at the hundreds of thousands of homes in an area and then determine risk. For “Act of God” events like wind, storm and hail damage, they will not raise your individual rate whether you call or not.
Do I need a licensed and insured contractor to install my new roof?
Yes! We strongly urge you to work with a licensed contractor as they have been trained to understand and meet all requirements. Licensed contractors will schedule inspections to make sure your home meets every single quality requirement and current code stipulation.
CapCity is licensed, bonded and insured which gives you 100% peace of mind and protection.
What does it mean to be a GAF Master Elite® contractor?
GAF is the nation’s leading manufacturer of high-quality roofing materials. Choosing a contractor that has earned GAF Master Elite status is your assurance that you'll be dealing with a quality and dependable professional contractor. Only 3% of all roofing contractors have qualified as Master Elite and CapCity is proud to be part of this elite group of experts.