There is a host of reasons you might need a roof repair or roof installation at your home. Many of them — water, wind, or hail damage, for example — are a headache for homeowners. American Values Contracting knows that, which is why our goal is to address residential roofing needs in a way that makes it easiest for you, our valued customer.
Weather in eastern North Carolina can be unpredictable. Thunderstorms can pop up at any time and produce hail. High winds and even tornados are consistent concerns for homeowners. Hurricane season can also be disastrous. You need a team of local roofing contractors you can trust to respond fast and do a quality job.
Our residential roofing contractors pride themselves on responding quickly to your roofing needs, especially in an emergency. You can get a local roofer out to your home fast.
We do everything in our power to make the process smooth. We use specialized software required by insurance companies to get claims through faster and save you as much money as possible.
We know residential roofing trouble can be frustrating. The objective at AVC Roofing is to ease that as best we can. We work with you every step of the way so any roof repairs you need can be completed with as little stress on you as possible.
Storm damage to your roof and home can be a frustrating and scary experience. That’s why AVC Roofing prides itself in responding quickly when you reach out to us and streamlining the insurance claim process.
Your first step after giving us a call is to find your homeowner’s insurance policy information. From there, reach out to your insurance provider to file a claim. The process has gotten easier over the years thanks to online portals and apps.
You will also need to notify your mortgage company. They need to sign off on the check from your insurance company because they hold your home as collateral against your loan. Your mortgage company wants your home to be fixed just as much as you do!
Your insurance provider will assign an insurance adjuster to your claim once it is notified. This person, who is often a private contractor working on behalf of the insurance company, will make an appointment to come by and evaluate the damage to your home and what it will take to repair it.
AVC Roofing’s contractors know how to work with these adjusters. There are plenty of intricacies to repairing storm damage to a roof. We will ensure your insurance adjuster doesn’t miss any of those fine details. We will also make sure your house is up to code.
Our team and the insurance adjuster will hash out a fair agreement for all parties. You should get a summary of your insurance claim about a week after that. Then it’s time to get to work.
Your house and everything inside it may decline in value over time. That’s depreciation. Investopedia gives the following example for calculating recoverable depreciation: Let’s say you bought a $3,000 refrigerator that is expected to have a 10-year lifespan. Divide the $3,000 by its 10-year life expectancy and you can figure it depreciates by $300 every year.
Insurance claims generally reimburse homeowners for the actual cash value of what was damaged. ACV is calculated by taking the cost to replace, in this case, the refrigerator at its pre-loss condition and subtracting the depreciation. So if you’ve had the refrigerator for four years, the ACV is the $3,000 you paid for it minus the $1,200 depreciation ($300 per year for four years).
If your insurance policy has a recoverable depreciation clause, then you’re able to claim the differences as recoverable depreciation. In this case, it’d be the $1,200.
Our goal is to provide you with top-quality roofing repairs while making the entire process as simple for you as possible
At American Values Contracting, we provide top-quality general contracting services across North Carolina. Our team is dedicated to delivering exceptional craftsmanship and reliable solutions to homeowners and businesses in the following locations:
AVC Roofing is a trusted, locally owned roofing company serving Eastern and Coastal North Carolina. We specialize in high-quality roof installations, repairs, and replacements to protect your home or business.
