Design Your Roof in Collin County
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Frequently Asked Questions (FAQs)
Filing a Claim
When should I file an insurance claim for roof or storm damage?
You only have a limited window of time to file a claim. Some insurance companies allow up to one year, but many require claims to be filed within 90–180 daysof the damage.
What happens if I wait too long to report damage?
If you delay too long, and later develop leaks or interior issues, your insurance company may deny coveragebecause the home wasn’t protected after the initial damage.
Insurance Rates
Are my insurance rates going up even if I don’t repair my home?
Yes. Insurance rates are based on regional factors, not just your home. Even if you choose not to repair your property, rates in many areas will still increase next year.
Can replacing my roof actually lower my insurance premiums?
Absolutely. The age of your roofis one of the biggest factors insurance companies use when setting premiums. A newer, updated roof can sometimes reduce your rates.
Roof Condition & Home Value
Why is upgrading from 3-tab shingles important?
Most homes in the area have older 3-tab shingles, which offer low wind and hail protection. Replacing them with modern shingles gives your home significantly better long-term durability.
How does having a newer roof help when selling my home?
A newer, updated roof is one of the top factors buyers look for. It boosts curb appeal, reduces inspection issues, and can increase resale value.
Repairs & Upgrades
Why should I stay ahead of home repairs?
Staying proactive keeps your home protected and prevents small issues from turning into expensive problems—especially when storms or future weather events hit.
When is the best time to repair or upgrade my roof?
When you have the opportunity to repair storm damage andupgrade your home at the same time—often at a fraction of the cost—there’s no better time to take advantage of it.