What is an insurance claim?

The purpose of homeowners insurance, like other types of insurance, is to get you back to status-quo if an unexpected loss occurs. You pay a monthly or yearly premium in exchange for their promise to put you back where you were before the loss. In other words, you can’t make a profit off your insurance company. That’s why, when a car is totaled, they’ll only pay what the car was worth at the time of the crash and not what you paid for it when it was new. Now when it comes to homeowners insurance, you can opt for what’s called “replacement cost” coverage. With replacement cost coverage, the insurance company is obligated to replace your roof at today’s cost, not just pay what your old roof was worth.

Is there a such thing as a roof loan or financing?

A roof loan is a personal loan you use to pay for a roof repair or replacement. This type of loan is funded all at once and then repaid, with interest, in fixed monthly installments. Roof loan amounts are between $1,000 and $100,000 and annual percentage rates range from 6% to 36%. Repayment terms are typically two to seven years. These loans are unsecured, meaning there is no collateral for the loan. Instead, a lender reviews your credit and finances to decide whether to offer you a loan and at what APR.

Can you replace a roof in a couple days?

In general, the roof of an average residence (3,000 square feet or less) can be replaced in a day. In extreme cases, it could take three to five days. Depending on the weather, complexity, and accessibility of your home it could even take up to three weeks.

Is a metal roof more expensive than a shingle roof?

Actually, no. Corrugated metal panels (like our ABM Panel) often cost as much as 20% less per square than asphalt shingles. Before you get too excited though, remember that a metal roof requires more accessories like screws, flashing, and ridge caps. With the accessories included, a metal roof can cost about the same as, or within a few hundred dollars of, a shingle roof on an average home. And considering that our premium and standard metal panels come with 40-year paint warranties (with many metal roofs even lasting over 100 years with proper maintenance), the savings over time makes metal a smarter choice.

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For over 15 years, Nakoma Roofing & Construction has specialized in remodeling, roofing, and commercial construction. A proudly veteran, minority, and woman-owned company, we are a fully licensed, insured, and bondable certified commercial General Contractor for the entire state of Florida.

With deep roots in the community and multiple locations throughout the state, we offer quick turnarounds and guaranteed customer satisfaction. Nakoma Roofing & Construction is always ready and standing by to provide the highest level of service and skill for your next project.

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