Frequently asked questions

Hassle-free services. Within 24 hours of calling or submitting a request, a Luna Roofing representative will provide a free inspection of your property. We’ll explain our recommendations to you and put together a plan of action that meets your needs. A strong knowledge base. Our crews can handle any residential, commercial, or industrial roofing project. We are a certified roofing contractor and have completed extensive training. Elevated business standards. We take pride in using quality materials and demonstrating exceptional workmanship for all types of projects. Responsive customer care. We strive to exceed our customers’ expectations of a roofing company by providing quality service and communication.

Your insurance company may cover roof repairs or roof replacement – and you can typically find information on roof insurance coverage in the fine print of your insurance policy. Every carrier is different, but Luna Roofing will be happy to assist you in making an insurance claim.

Many insurance companies cover roofing claims related to:

• “Acts of God,” which are events outside human control

• Falling objects

• Fire

• Hail

• Lighting strikes

• Vandalism

• Wind​

Your insurance company may pay for a completely new roof for you. However, the only way to get your insurance company to replace your roof (or, rather, to get your insurance company to pay for an all-new roof), is to show that it was significantly damaged by something that’s covered in your policy. The damage must be so severe that repairing your roof isn’t feasible – or that it would make more financial sense to replace the roof.

Generally, to get your insurance company to approve a roofing claim, you must:

• Thoroughly document the damage. Your roof inspector will take several pictures, including photos of what caused the damage (such as a fallen tree). You should try to take these pictures before you make any temporary repairs to the roof, such as putting up tarp to protect your belongings.

• Reach out to your insurance company immediately. You should let your insurer know that your roof has been damaged and explain the extent of the damage (to the best of your knowledge). You should also confirm with the person on the phone whether the damage is covered, as well as ask how long you have to file a claim. Additionally, if your roof damage was caused by vandalism or another criminal act, you should file a police report before you contact your insurance company.

• File the appropriate paperwork to get your claim started. Your insurer will provide you with the forms you need to fill out to make a claim. As soon as your paperwork is filed, the insurance company can begin the claims process.

• Hang on to your receipts. When you pay for any repair work on your home, make sure to get receipts. You’ll need to submit them to your insurance company, and they may reimburse you. Try to wait to have professional repairs done until you’ve spoken with your insurance company – your insurer may have a list of approved contractors, or they may need to speak with the company you’ve chosen to work with before approving repairs. Additionally, if you must stay in a hotel because your home is uninhabitable, save those receipts as well – your insurance company may reimburse you.

• Prepare for a visit from an insurance adjuster. Your insurance company may send out an adjuster – a trained professional who will assess the damage to your roof. The adjuster will take several photos of the damage, what caused the damage (if possible), and the area around your home. The purpose of the insurance adjuster’s visit is to determine how extensive the damage is, as well as evaluate the approximate cost of repairing or replacing the roof.

There are several signs that your roof has been damaged in a storm – most notably, you may find leaks in your home. (Leaks are urgent. Remember, water in your roof only gets worse with time; the longer you wait to make repairs, the worse the problem becomes. Additionally, repairs become more expensive.)

You may also notice:

• Missing shingles

• Bald spots on your shingles

• Loose debris on your roof or around your home

• Hail-damaged shingles

• Clogged or broken gutters and downspouts

• Ice dams on your roof

• Damage to your roof supports or accents

• Moisture in your attic