When it comes to replacing your roof, understanding the distinction between insurance roofing and retail roofing is crucial. Each approach offers different services, costs, and responsibilities.
Insurance Roofing: Comprehensive Care
Insurance roofing involves working with a contractor to manage the entire process after storm damage. Paragon Contracting specializes in this type of service, ensuring your roof replacement is stress-free.
- We Handle Everything: From inspections to adjuster meetings and paperwork, Paragon Contracting oversees the entire claims process.
- No Upfront Costs: We cover the costs of the project until the final insurance payment is received. This minimizes your financial burden during the process.
- Price Reflects Service: Our pricing includes the time, effort, and resources required to handle the claims process and ensure quality work.
Retail Roofing: Limited Involvement
Retail roofing is for homeowners who want to pay out of pocket for a roof replacement without involving insurance.
- Cash Bids: Contractors provide a straightforward estimate for the work.
- You Manage the Process: You’re responsible for permits, inspections, and any unforeseen costs that may arise.
- Payment Schedule: Most retail contractors require 50% upfront and the remaining balance on completion.
Why Price Variances Exist
The cost of roofing services varies based on the level of service provided:
- Insurance Roofing: Includes administrative support, claims management, and upfront project funding.
- Retail Roofing: Offers a simpler approach with fewer services, leaving much of the responsibility on the homeowner.
Vocalize Your Intentions
If a contractor has dedicated their time and expertise to meet with your adjuster, maintain clear communication, identify additional damages that increased your coverage, and advocate for you and your property, seeking cheaper bids afterward can diminish the value of their efforts.
Before making any decisions, it’s helpful to take a moment and think about your priorities. If your goal is to find the most affordable option, it’s a good idea to communicate that openly with your contractor. This way, they can determine how much time and resources they can commit to your project. If cost is your primary concern, retail roofing may be a better fit, but keep in mind that you’ll need to take a more hands-on approach to planning and managing the project.
By understanding the differences, you can make an informed decision that best suits your needs. Paragon Contracting is here to provide exceptional service, whether you’re working through insurance or looking for a cash bid. Contact us and let us handle the hard work while you enjoy peace of mind.