Storm claims · Charlotte & Concord
Comparing Best Choice Roofing for a Charlotte Storm Claim?
Storm-damage replacements usually run through your insurance company, and the contractor you pick shapes how smoothly that goes. Here is how a roof claim typically works, what to watch for, and where to compare Charlotte-area roofers.
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Who Best Choice Roofing is
Best Choice Roofing is a residential roofing company with offices in dozens of U.S. cities, including a Charlotte-area office in Concord.
It is one of many contractors that handle insurance roof replacements around Charlotte, and the claim steps below are the same whichever one you choose.
How a roof insurance claim usually works
Document the damage
Photograph the roof, gutters, siding and any interior leaks, and write down the date of the storm.
File the claim
Report the loss to your insurer promptly. The insurer assigns an adjuster to inspect the roof.
The adjuster inspection
Many homeowners have their contractor attend so damage is not missed. The adjuster writes an estimate of the covered damage.
Scope, supplements and payment
If items were missed, the contractor can submit a supplement with photos and measurements. Replacement-cost policies commonly pay in stages — an initial payment, then the held-back depreciation once the work is done. The deductible is your responsibility under the policy.
Red flags after a storm
- Pressure to sign a contract on the spot
- Offers to cover or waive your deductible
- Requests for full payment before any work starts
- No local office or verifiable local job history
Contingency agreements, explained
Some contractors ask you to sign a contingency agreement before the adjuster visits. Read it closely: it can commit you to that contractor if the claim is approved. Ask for a copy and take your time before signing.
Roofers in Charlotte and Concord
Charlotte is in Mecklenburg County and Concord in neighboring Cabarrus County. Compare roofers in both, and check the North Carolina storm center for recent hail and wind reports.
Storm claim questions
Do I have to use the roofer my insurance company suggests?
Generally no. You can choose your own licensed contractor; let your insurer know which contractor you are using.
What is recoverable depreciation?
On a replacement-cost policy, the insurer may first pay the depreciated value of the roof and hold back the rest. That held-back amount is typically released once the replacement is finished and documented.
Why do roof claims get denied?
Common reasons include wear and tear rather than storm damage, late reporting, and damage that falls below the deductible. The National Roofing Directory’s claim-denial guide covers more.
Is this Best Choice Roofing’s website?
No. bestchoiceroofing.org is published by the National Roofing Directory, an independent contractor directory, and is not affiliated with Best Choice Roofing.