Storm Damage

Shingle Star

Storm Damage

Storm Damage Experts In Quad Cities

Davenport is prone to intense weather. And storms can wreak havoc on a residential roof. Sometimes, the signs of storm damage are obvious, like missing shingles or water spots. Other times, the signs aren’t so obvious, and you want to call in a professional like Shingle Star.

Don’t leave storm damage on your roof to chance. It’s important to take care of any damage right away. 

Working With Your Insurance Company

Be wary of contractors claiming to be “insurance claims specialists”. Only members licensed by the Iowa Division of Insurance can make that claim. We will meet with your adjuster and submit any invoices to your insurance carrier.

What Your Insurance Covers

Insurance policies can be confusing, so it’s important to know what kind of policy you have. There are two types of policies we encounter working on storm damage claims: 

  • ACV (Actual Cash Value) - Recovers the actual cash value of your roof at the time of your claim. Let's say your roof is 10 years-old. Your insurance will take the amount your roof has depreciated over 10 years and deduct it from the cost to replace your roof. You would be responsible for the remainder.
  • Replacement Cash Value - Covers the entire cost of your roof. Once your claim is approved, you are issued a check for the actual cash value of your roof. When your roof replacement is completed, a check for the depreciation (remainder of the replacement cost) is released.
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