The Difference Between Insurance Roofing and Retail Roofing

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.