Frequently Asked Questions
Why am I being solicited?
You are located in a strategic location relevant to a catastrophic storm that may have caused damage to your home. We as contractors would like to perform an inspection to see if you did, in fact, suffer damages to your roofing, siding, and/or gutters that may involve your insurance coverage to pay for the necessary repairs. This inspection is of no risk to you and completely free.
What if I don't think there is any damage to my home, or I can't see any problem with my house?
Hail is a peril of nature that is not detected on roofs right away in many cases. When a large stone hits your roof, it “bruises” your fiberglass shingle in a way that it can’t be detected from ground level. The effect to your roof is that the shingle’s life is shortened to the point that most normal roofs will have to be either repaired or replaced depending on the extent of damage sustained. Siding is dented beyond repair or is replaced due to factors such as availability, fading, texture, size, and/or type. We are trained in the engineering skills used by most catastrophe adjusters and utilize these skills in determining if you do, in fact, have damage to your home.
What if my inspection shows that I do have damage to my home?
If your home is damaged from a covered peril in your homeowner’s policy, we will tell you. It is at this point that we will advise you to call your insurance agent, the insurance company, or their claims office to report your damage and have the insurance company adjuster view the damages with us. If they agree, negotiations will ensue to estimate the amount of damage and costs of repairs with us in order to repair your home. All you will pay at the completion of the repairs is your deductible and any additional work you have us do.
Is this a scam? / Is this ethical to do?
For most, your home is the largest asset you have. Insurance Companies do not just hand money out. If they are made aware of your damages, they will pay to repair or replace your exteriors to protect you from losing any valuation to your asset over and above the cost of your deductible. Our intent is to make you aware that you may possibly have this type of loss.
What happens if my insurance company does not agree with my contractor’s assessment of the damages?
You are entitled to have a second opinion performed known as a “re-inspection” that allows us to point out damages you have to the insurance company. Should the re-inspection result in a standing opinion of the insurance company, then your next step would be optional and explained in your policy. Most cases do not reach this phase of the process as you would be comfortable in knowing why your claim was being denied.
Should I get other bids on my damages?
In short, the answer to this question is no. Regardless of what contractor does the repairs to your home, no bids are necessary. It is up to your chosen contractor to oversee your repairs as they negotiate the price of the damages with your insurance company, not with you. The money is sent to you to pay the contractor directly; part at the beginning of your repairs and part at completion. If you were to “shop around” after being paid and found the repairs at a discount to your claim check, the difference belongs to the insurance company. Keeping the savings could be considered fraud. Shop your contractor based on skill, not price. All you pay is your deductible regardless of who you use to complete your repairs.
What if I need other repairs done that my insurance doesn’t cover?
We can complete most exterior and interior repairs at a competitive rate in addition to your insurance repairs including, but not limited to, window replacements, wood repairs, exterior wraps, etc. The costs would be paid by you.
How long would my repairs take to complete?
In most cases, we complete your roof the same day we start. Siding jobs take 1-2 days depending on extent of work, and gutters take only a few hours. All work is usually completed within the same week we start with a thorough cleaning after each phase performed.
Will this increase my insurance rates?
Catastrophic losses do not affect rates. Consult your agent for a complete explanation of the process of how your rates are promulgated.
What if I wait to turn in my claim or don’t turn my claim in at all?
There are time limits in your policy as to when you can complete your repairs. Waiting to turn your claim in can cause your insurer to deny your claim due to these time restraints. Should you decide to not turn your claim in at all, you could forfeit future claim damages due to your home having old damage no longer covered. Your policy language urges you to report your damages promptly.
How do I get started?
Call us to schedule an appointment so that we can inspect your home. Do not call your insurance company yet. Once we view your home and determine that you do have damage, we will advise you as to what kind of damage you have such as wind, hail, ice damming, etc. in addition to a date of loss that your damage possibly occurred. It would be at this point that you will contact your insurance company to report your loss.
How long has Newport Construction been in business?
Newport Construction Services Inc. is based in Texas and has been in business since 1993. Operations expand state wide. We are members of several association groups and have references available should you desire.
Why are my neighbors not having their work done?
Chances are that they are or that they will. Most homeowners are not aware that this kind of loss has occurred until we tell them. Once a few homes have been completed and word gets around that this loss has occurred, most neighbors begin to realize they, too, may have a claim and call..