Frequently Asked Questions
KAC Construction provides a 2-year labor warranty in addition to the warranty provided by the manufacturer. KAC Construction warranty is valid for 2 years only. We shall assume all costs to repair and/or replace any imperfection due to its failure to install the work in a professional manner.
Karlcamilo is the founder and CEO of KAC Construction. We are your trusted roofing technology services company. We’ve brought our years of experience in the industry to build a technology services company that addresses every aspect of a roofing project. When you work with KAC Construction , you have access to a network of insurance adjusters, realtor, and contractor experts to get the job done right. We are headquartered in Providence Rhode Island. We also have multiple locations throughout the United States. At KAC Construction we value excellent customer service, integrity, quality, and teamwork. We understand that dealing with the insurance company is confusing, and we want to eliminate that stress for you by making the process simple and stress-free. Our goal is to expedite the communication process with the insurance company, and in the end provide a high-quality roof that exceeds your expectations. roofclaim.biz is a company built on honest and ethical hard work.
Dealing with insurance companies can be confusing and stressful. Therefore, it is KAC Construction mission to make the roof replacement process and our communication with the insurance company hassle-free and easy for you to follow. Here is a step by step breakdown of our process: We examine your roof and check for any damage. If damage is detected, we will begin communication with your insurance company after you file a claim. You will open a new claim with your insurance company and provide them with the following information: Date of event (storm date), Type of damage (wind, hail, leaks, etc.), Condition of the house (Is the home livable/unlivable?). If there is structural damage, a general contractor is required. Do you need any emergency services? (tarp) If a tarp is needed, please see separate article located here: You will receive a claim number and will be assigned an adjuster from your insurance company to perform an inspection of the damage. We send a diagram and estimate to your insurance company. A KAC Construction representative and field adjuster from the insurance company will be at the adjuster meeting. The insurance field adjuster will create a report that details the damages found and sends that report to the desk adjuster, who reviews and makes a determination on the claim. Once the claim is approved and all homeowner responsibilities (deductible, HOA approval, etc.) are met, we will pull permits, order materials, and add you to the install schedule. The homeowner is responsible for paying the deductible. The deductible is due on the first day of install. After the install, we will process all the documents required by your insurance company in order to have the remainder of the claim paid out. The warranty package will be sent (via email) 10 business days after the claim has been paid in full.
KAC Construction specializes in full roof replacements. A Wind Mitigation Inspection can only be completed by someone who has the required specialized license. KAC Construction does not have this license and therefore cannot complete the inspection.
During a wind mitigation inspection, a certified inspector reports on the key features that may decrease the amount of damage a home suffers during a hurricane or strong wind storm. Depending on the findings, this report can be submitted to the homeowner’s insurance company to receive lower premiums.
In the event of an emergency and a tarp is required, please follow these steps: If your roof is leaking prior to your date of install, please contact our office immediately a (401)837-6730. We do not install tarps; however we will suggest a company for you to contact. Be clear and provide adequate detail about the areas of concern. If possible, please take pictures of the leaking/damaged areas as this will be useful information when speaking to the tarp company. It is generally the homeowner’s responsibility to bill the insurance company for reimbursement of the tarp costs. Please be sure to ask the company you’ve chosen for their exact process.
Since each claim is different, the length of the determination process varies. Insurance companies may also be backed up if they are receiving an influx of claims. KAC Construction policy is to follow up with the public adjuster that is negotiating with your insurance company at a minimum of every 3-5 days to ensure everything is moving along properly and smoothly. A call from the insured can usually help the process move faster as well.
Once approved, the desk adjuster sends the estimate to the homeowner and KAC Construction. At this time, the insurance company will issue the first check, also known as the ACV (Actual Cash Value). To get your project started, KAC Construction must submit documentation and then the insurance company will issue out the remaining in the form of a second check (depreciation check).
When a claim is denied, this means that the insurance adjuster has not found enough damage to warrant a roof replacement, or that your loss is lower than your deductible. If you believe your roof has enough significant damage to warrant a roof replacement and would like a reinspection, please communicate this request to KAC Construction,. and we will forward your request to the public adjuster. In that case, a different adjuster may be sent out to complete the reinspection..
KAC Construction provides a 2-year labor warranty in addition to the warranty provided by the manufacturer. Our warranty is valid for 2 years only. KAC Construction shall assume all costs to repair and/or replace any imperfection due to its failure to install the work in a professional manner.
The KAC Construction warranty excludes the following events outside the scope of the contract:
- Failure of the homeowner to maintain the roofing system
- Vandalism and/or acts of sabotage
- Damage caused by additional projects, repairs, or construction to the property not performed by roofclaim.biz
- Acts of God (including but not limited to wind, lightning, hurricane, tornado, hailstorm, sinkholes, impact of foreign objects and other naturally occurring events)
You can expect to receive your warranty package from KAC Construction by email 10 business days after you have paid in full.
You will receive your labor warranty packet from KAC Construction (via email) once the installation is complete and within 10 business days after you have paid in full. Registering your manufacturer warranty must be completed directly with the manufacturer of the roofing materials (e.g. Atlas Roofing, Owens Corning, Crown Roof Tiles, Eagle Roofing) as this is the homeowner’s responsibility.
It is the homeowner’s responsibility to register with shingles manufacture in order to get the manufacturer warranty. please call (401)837-6730. To get more information and details
At KAC Construction, we do our best to accommodate your needs and work around your calendar. We assess all warranty claims within a timely manner, depending on the severity of your case.
Sometimes you can tell when a roof is nearing the end of its life by simply looking at it. If the shingles are curled, cracked, or missing, you may need new shingles or to replace them. Dents in vents or other soft metals could also be a sign there is a problem. Often it is best to take a closer look or to get a professional contractor to perform a roof inspection. If there are shingle granules (small, black, sand-like substance) in your gutters, this is also a sign that your shingles are wearing down. You can also determine your roof stability by looking at the interior of the house. If you notice spots or stains on the wall, this could possibly be from water damage from a leaky roof. If you find that the attic is wet/damp, or there is extra light streaming in from outside, this is due to holes or leaks in your roof. Lastly, a major sign that your roof needs replacing is if it is sagging or caving in. You can identify this by looking in the attic to see if any decking or rafters are sagging downwards rather than standing strong and sturdy. The moisture in the air or leaks could be the cause of this. If this happens, it would most likely warrant a full roof replacement. If you have any concerns about the condition of your roof, contact us at to schedule your (401)837-6730 free roof inspection . We are happy to help eliminate any concerns you have!
The homeowner receives a Homeowners Responsibility document informing them of their responsibilities as they do business with KAC Construction. This document details information about day of installation, material delivery/drop-off, HOA approval, permits, and other need-to-know information. It is important that you thoroughly read through all the information listed on the document so you are well informed on all of KAC Construction policies.
KAC Construction cannot waive, rebate, or promise to pay all or any part of the insurance deductible. Your deductible must be paid in full on the day of install. Some roofing companies claim they can/will pay your deductible, however this is done unethically. A roofer who will assume or absorb the cost of your deductible is actually inflating the cost of their work on the estimate and invoice.
The customer’s responsibility is to pay the deductible out-of-pocket. KAC Construction cannot waive, rebate, or promise to pay all or any part of the insurance deductible. Example : There are $10,000 total worth of damages to your roof. Your deductible is $2,000. You are responsible for paying $2,000 out of pocket. The insurance company will cover the remaining $8,000; but only after you have paid your $2,000 deductible. You must pay your deductible.
There is a very high chance KAC Construction has done roofs in your neighborhood. If you would like to see one of the houses where we have completed a roof replacement, contact your account manager and let them know.
Yes, you get to select your roof color. However, if your neighborhood has a Homeowners Association (HOA), shingle or tile color may need to be approved before the roof installation can begin. SHINGLE type or color may NOT be changed after install date is scheduled without incurring additional charges. If the shingle type or color is changed after scheduling the install, you will be subject to a $275 fee to offset the cost of expedited delivery & handling. TILE, profile, or color may NOT be changed after the installation date is scheduled without incurring additional charges. If the tile type, profile, or color is changed after scheduling, you will be subject to a fee to offset the cost of production, restocking, expedited delivery and/or handling at the rate of $250.00 per square. Once the material has delivered, KAC Construction will be unable to accommodate any changes to Tile type, profile, or color.. Changing the color may also affect the HOA’s approval, and possibly delay your install date. Refer to your contract for specific fee amounts.
No, you do not have to be home for material delivery. However on your scheduled delivery date, your driveway must be cleared completely in order for the materials to be rooftop delivered via semi-truck equipped with a conveyor system.
The insurance company only pays for the shingles that already exist on your roof. If you upgrade to a new shingle type, this expense is no longer the insurance company’s responsibility, but the homeowner’s responsibility to pay for. When you upgrade shingles, the insurance company does not pay for the upgrade. Example: You currently have 3-tab shingles on your roof. Insurance will cover new 3-tab shingles to replace the old, 3-tab shingles. If you decide to put architectural shingles on to replace the old, 3-tab shingles, this would be considered an upgrade and insurance will not cover the extra cost of the new, architectural shingles.
You will receive an email, a phone call, and a text informing you of the installation details and when the materials will be delivered. Please review your Homeowner’s Responsibilities document for specifics.
On material delivery day, all cars, trailers, recreational vehicles, boats, etc. must be moved out of the driveway (or perimeter of the house) the night before installation, but no later than 6:00 AM on the day of installation, as our crews arrive early. If cars are left in the garage, they will be blocked in until completion of the roof installation. If vehicles are left in the driveway (or perimeter of the house) they will be at risk for damage from falling debris and tools; KAC Construction will not be liable for any damage incurred. Any tree branches that hang over (or block) the driveway must be trimmed to a height for a conveyor truck to have access to your roof so they can successfully deliver your materials. Please refer to #10 and #11 on your Homeowner’s Responsibility document for more information regarding material delivery.
If the shingle color choice is changed within 48 hours of install, the homeowner will be charged a fee. This fee is to cover the expense of the shipping and handling of the old shingle color. If the tile color, type, or profile is changed after the installation date is scheduled, the homeowner will be charged a fee of $250.00 per square (100 sq. ft.) to offset the cost of production, restocking, expedited delivery and/or handling. Once the material has been delivered, roofclaim.biz will be unable to accommodate any changes to tile type, color, or profile.
The lien satisfaction letter is a legal document that indicates the organization or individual no longer has a claim on the property. This releases the lien on your property or belongings.
You should always verify that the mortgage company listed on the check is correct. If the mortgage company listed on the check is incorrect, please call your insurance company. The mortgage company listed may be incorrect due to acquisition, refinancing, or simply due to human mistake. Request the check to be reissued with the correct mortgage company. Typically, you must provide the insurance company with verification of mortgage in order for the policy to be updated with the correct information. Verification can be proved in the following ways: Payment of Mortgage or Mortgage transfer letter. Next, check to see if your mortgage company has a local branch or office. If they do, take your check along with a copy of your estimate to the local branch for endorsement by the Branch Manager. Then, schedule a time for KAC Construction to collect the check,
If the mortgage company listed on the check is incorrect, please call your insurance company. Often the mortgage company is listed incorrectly due to acquisition, refinancing, or simply due to a mistake on the insurance company’s part. Request the check to be reissued with the correct mortgage company. Typically, you must provide the insurance company with verification of mortgage in order for the policy to be updated with the correct information. Verification can be proved in the following ways: Payment of Mortgage or Mortgage transfer letter.
You must pay the full amount of your deductible before the insurance company will cover their part of the claim. Failure to pay your deductible will result in the insurance company not releasing the 2nd check (depreciation check) or other funds related to the claim. The installation may be put on hold or cancelled altogether if you are not able to pay the full deductible on the date of installation. There may be specific terms or consequences written in your policy if you do not pay your deductible. You should always know the terms of your policy before you sign.
At any point when you receive an insurance check, please call us at (401)837-6730, or email us at [email protected] so we can take care of it on your behalf. We strive to make this entire process as hassle-free and clear for you as possible. You may receive 3 types of checks: ACV (Actual Cash Value )- the 1st check received from the insurance company. Depreciation – the 2nd check received from the insurance company. It is received after the roof installation is complete. Change Order/Supplement – a 3rd check covering the building code expenses incurred during the roof replacement process that were not included in the initial the insurance company’s estimate The payees are typically KAC Construction, the homeowner and the mortgage company. If your mortgage company has a local branch, go to get the check endorsed by the mortgage company. If your mortgage company does not have a local branch, call KAC Construction to get assistance.
A lien is a legal claim on a property. Liens authorize an organization to take the property or take legal action to satisfy debts and obligations. If you do not make payments, the organization or individual can repossess or seize the property under the lien. Failure to complete payment for your roof replacement will result in KAC Construction filing a lien. KAC Construction will follow the lien laws specific to roof installation address.
You should call your mortgage company and inform them that you are sending in a check for endorsement. They will then provide you the address of where to mail the check and if any documents are required. KAC Construction will assist you along in this process by scheduling a check pick up, or overnight the check to the mortgage company via FedEx . KAC Construction will also call the mortgage company throughout this process to make sure everything is going smoothly and will call you to provide you with updates. There are also a few questions you should ask when advising the mortgage company you are sending in a check for endorsement: Does the check need to be endorsed before mailing it in? What documents are required? What is the overnight address? Will an inspection be needed?
First, our field agents will conduct a thorough inspection of your roof to determine if there is storm damage. Once this is confirmed, KAC Construction will determine whether a claim is necessary or not. If claim is filled A public adjuster inspection meeting will take place with a field inspector from your insurance company, then they agree upon an estimate. After the insurance claim has been filed and approved, the roof replacement process will begin. To view more details about the KAC Construction claims process, click here.
ACV (Actual Cash Value)- the 1st check received from the insurance company. This is calculated as the RCV (Replacement Cost Value) minus depreciation. RCV (Replacement Cost Value) – the total cost (including tax, profit and overhead) to replace all the damage related to a claim. Depreciation- the 2nd check received from the insurance company. It is received after the roof installation. Depreciation is the decrease in property value due to age, wear and tear, etc. Change Order/Supplement- a 3rd check covering the expenses incurred during the roof replacement process that were not included in the initial the insurance company’s estimate. *If applicable, the mortgage company will be included on all checks*
An insurance deductible is a specified amount of money that the insured must pay before the insurance company will pay the claim. This is the customer’s out-of-pocket responsibility. Example: There is $10,000 total worth of damages to your roof. Your deductible is $2,000. You are responsible for paying $2,000 out of pocket. The insurance company will cover the remaining $8,000; but only after you have paid your $2,000 deductible. A deductible can be either a specific dollar amount or a percentage of the total amount of insurance on a policy. The amount is established by the terms of your coverage and can be found on the declarations page of your homeowners policy.
At KAC Construction, the deductible and any other out-of-pocket expenses are due on the day of install.
The person buying the insurance policy usually makes the decision of how much the deductible is by selecting from a pre-set list of deductible prices determined by your insurance company. The higher the amount of the deductible, the lower the monthly cost of your premium. Speak with your insurance agent about which plan or coverage would best suit your needs.
When your mortgage company is listed as a payee on the check, they will also have to endorse the check before it is given to the contractor for payment. All payees listed on a check must sign before the payment is considered bankable.
Once your roof installation is complete, the workmen and crew will begin the clean up process. KAC Construction takes safety seriously and will clean up leftover nails and materials. Workmen will go around the property with a magnet to ensure that nails and debris are effectively picked up. All tarps and ladders will be removed from the premises as well. KAC Construction respects your home and property, and works hard to restore your home to pristine condition after the project is completed.
No, KAC Construction will not be removing your gutters. If it becomes necessary to do so for code compliance, we will let you know to have the work done prior to your installation date. If you would like to have your gutters removed, you will need to contact the gutter company for that to be completed prior to your installation date. In some areas, we are able to install the drip edge with notches over the nails that secure the gutters to the home. We recommend the gutters be removed by your gutter company so we can install all new drip edge. Then have the gutter company put the gutters back on. We will discuss your options during the inspection depending upon the code requirements in your particular municipality.
Homeowners are given a Homeowners Responsibility document that they should read and follow carefully. Getting your roof replaced is a huge project and to ensure total safety, you should prepare for your installation in the following ways: Remove all valuables from interior walls, shelves, mantels, etc., as vibrations from the construction will cause these items to fall. Remove all valuables and/or breakables such as flower pots, bird feeders, wind chimes, lawn furniture, garden gnomes, gazing balls, water fountains, landscape lighting, etc. from the exterior of the property, including porch and yard. All cars, trailers, recreational vehicles, boats, etc. must be moved out of the driveway (or perimeter of the house) the night before installation, but no later than 6:00 am on the day of installation as our crews arrive early. If cars are left in the driveway, they will be blocked in until completion of the roof installation and will be at risk for damage from falling debris and tools. Secure all pets and animals and do not allow them to roam freely on the property as this is a danger to them. Homeowners are not allowed to walk on the roof or walk the perimeter of the property as this is a dangerous construction site. This is for the safety of both the homeowner and the workers.
Due to unknown decking costs at the start of the installation, KAC Construction requires all homeowners to confirm on the contract that they are responsible for all decking amounts. Insurance companies do not typically pay for these amounts as they see the additional damage as the fault of the homeowner for not having their roof replaced immediately. For shingle roofs, KAC Construction will waive the price of one (1) sheet of decking OR three (3) pieces of planking to compensate for the initial shock to the homeowner of unexpected/unknown expenses.. Regardless of the roof type, all additional decking will be replaced, and the homeowner shall be charged $125.00 per sheet; additional planking shall be charged at the rate of $75.00 per piece. In KAC Construction experience of installing thousands of roofs, most homes require 1-2 pieces of decking to be replaced. The amount of decking which is necessary cannot be known since the deck is covered with shingles. As such, it is truly unknown, and we would have no way to advise homeowners or manage expectations.
No, you do not have to be home on the day of installation. On the day of installation, debris will be falling from your roof. Until KAC Construction leaves the site, we prefer that you do not enter or exit the premises. If you must: Get the attention of a KAC Construction supervisor or crew member so that they may cease work and allow you to safely enter or exit the premises Only walk on hard surfaces such as concrete as roofing debris may be hidden in landscaping Please secure all pets; do not allow them to roam the property
Decking is the layer of roof that is used as the base for roof coverings to be nailed to. This surface needs to be strong enough to be able to hold the weight of the materials on top of it. Decking also provides an extra layer of protection to your roof before the weather-proofing materials are added on top of it. A wavy roof before or after installation is not a problem with the decking; it is a structural issue. The homeowner must hire a general contractor for assessment.
KAC Construction will provide clarity on what happens once your roof installation is complete. As promised, we will assist and walk you through everything step by step to make it hassle-free for you. Here is the breakdown of the completion process. The crew will clean up property and pick up leftover material. We will send completion documents to your insurance company. Once reviewed, the 2nd check (depreciation check) and any other approved change order requests are sent from the insurance company to roofclaim.biz or the homeowner. Sometimes a 3rd check is issued and often has the mortgage company requiring endorsement. We schedule a final inspection of the roof with the county. However, we do not have any control as to when the final inspection will occur. That is up to the county. You are allowed to remove the permit packet that is taped to your door after the final inspection passes . You will be notified via email when you have passed the final inspection. 10 business days after you have paid in full, you will receive the warranty packet via email.
If your installation gets canceled due to weather or any other misfortunes, KAC Construction will reschedule your installation for the next available opening. KAC Construction schedules installations 1 week in advance. Due to this, KAC Construction cannot promise to schedule you the next day if your original day of install was canceled. Example: Your installation was scheduled for Wednesday. Due to a thunderstorm that day, your installation is canceled. KAC Construction will aim to reschedule your installation to the following Wednesday.
KAC Construction will reschedule your installation for the next available opening. KAC Construction schedules installations 1 week in advance. Due to this, KAC Construction cannot promise to schedule you the next day if your original day of install was canceled. Example: Your installation was scheduled for Wednesday. Due to a thunderstorm that day, your installation is cancelled. roofclaim.com will aim to reschedule your installation to the following Wednesday.
Solar panels must be removed prior to the day of install. KAC Construction does not reserve a date of install without confirmation of solar panel removal date. No, we do not put your solar panels back on after the roof replacement is complete. You must call your solar panel provider to come reinstall your solar panels once the roof replacement is complete. KAC Construction does not put the solar panels back on because this is out of our area of expertise and is not part of the work we are contracted to do.
KAC Construction always takes the safety of the workers and the homeowners into account. Working in the rain is dangerous to the workers and crew as the roof will be slick and slippery. To prevent injuries and risks of falling, work will cease until the weather is dry enough to continue the roof installation.
Permits are needed to start the roof replacement process. Legally, KAC Construction is required to pull permits that allow us to work on your roof. The final roof inspection is the finishing step of the roof installation to verify that the roof has been installed safely and properly. A building inspector from the respective jurisdiction will come out to the property to inspect the roof to make sure the installation is up to code. Once the final inspection passes, the permit is then closed out with the city or county.
Insurance companies typically include the mortgage company on the check due to them having an interest in the property and its condition. When the mortgage holder on the property has changed, the insurance company must be notified to update/change the policy.
The purpose of Assignment of Benefits and Direction of Pay is to help expedite the process of communication with your insurance company on matters regarding your claim.
The amount of time each claim takes differs from claim to claim. Since every claim or situation is unique, it is hard to determine just how long the claim will take. A highlight of working with roofclaim.com is that we communicate directly with your insurance company on your behalf and follow up with your insurance company to inform you of any and all updates regarding your claim. This eliminates confusion and makes the overall process less stressful for you.
The answer to this question is not a definitive, clear-cut answer. Filing homeowners insurance claims may or may not raise your rates, it depends on the type of claim, how big or small the damage is and how many claims you’ve filed in the past. Due to this, it is hard to determine just how much your insurance rates may rise; if at all. Do not hesitate to file a claim because you are afraid your insurance rates will go up. Waiting to file a claim may only make the issue or damage much worse in the long run. It is suggested to file claims for bigger damages and catastrophic events. If you have any further questions, call your insurance company and inquire about when to file a claim.
Xactimate is the software that KAC Construction uses to provide estimates to homeowners. Xactimate is the standard estimate program used by insurance companies. KAC Construction uses the same software to provide fair estimates for all homeowners, so there is no need to go out and get more estimates from other contractors.
A change order is a request for additional funds by KAC Construction from the homeowner’s insurance company. This request is for expenses/code upgrades incurred during the roof replacement process that were not included on the initial insurance company’s loss sheet/estimate. Examples: permitting fees, re-nailing decking *If the change order request is not approved and paid for by your insurance provider, the amount becomes invalid reducing your balance by said amount.
At KAC Construction, we work with the insurance company approved estimate, so the out-of-pocket cost of your roof is your deductible plus any elected upgrades.
No. A contract must be signed with us to allow us to communicate with your insurance company and work with the insurance company to create an estimate and report. All documentation is provided to both homeowners and insurance companies.
KAC Construction creates an estimate used by the program Xactimate, which is the same software/program used by insurance companies. While you are entitled to know the full cost/estimate of the project, you are only responsible for paying the deductible.
You can call us at (401)837-6730 to schedule an inspection of your roof, or you can click here and fill out this form to schedule your inspection. One of our team members will be in contact with you to confirm the date of your free roof inspection so we can get the roof replacement process started.