Frequently Asked Questions
- Roof Replacement & Insurance Help
What to Know Before You Start
Roofing projects and insurance claims come with a lot of questions. Below are answers to the most common questions Louisville homeowners ask about roof replacement, storm damage, insurance, and working with Roof It Right.
Have questions about your roof or insurance claim? Let’s talk.
Roof Replacement & Installation
How long will it take to replace my roof?
The roof on most homes can be replaced from start to finish in 1 or 2 days. If your roof is exceptionally large or steep, it may take up to 3 days, weather permitting.
Can you install a roof during the winter months?
Yes. Roof installation can be completed safely and effectively during the winter, even below 40°F. In fact, cold-weather roofing has advantages. Asphalt shingles are less likely to scuff or become damaged in cooler temperatures, and crews can often work more efficiently without extreme heat slowing production.
When installing a roof in cold weather, we follow strict protocols to ensure proper performance. Materials are stored in a warm facility to maintain flexibility, shingles are hand-sealed along critical edges, and high-quality products are used to ensure durability. While shingles may not immediately seal or lay completely flat in colder temperatures, they properly activate and settle once warmer weather returns. With proper installation techniques, winter roof replacement is safe, reliable, and built to last.
Do I need to get multiple estimates?
No. You can, but it usually isn’t necessary.
If you are filing a roof insurance claim, it is not required to get multiple estimates. According to your homeowners policy, you can chose any contractor you want to perform work on your home, regardless of price. Insurance companies may prefer several estimates because they want to bid the work down. Ultimately, you are only responsible for the deductible. So, choose your contractor based on quality workmanship and reputation. Your insurance company is required by law to pay the contractor of your choosing.
How do I know if my roof has storm damage?
Common signs of storm damage include missing or lifted shingles, granule loss, dented flashing, interior water stains, or debris impact on the roof. However, not all damage is visible from the ground. A professional roof inspection is the safest way to determine whether your roof has legitimate storm damage.
What are signs I may need a roof replacement?
Signs you may need a roof replacement include curling or cracked shingles, repeated leaks, sagging roof decking, excessive granule loss, or a roof nearing the end of its expected lifespan. A professional inspection can determine whether repair or full replacement is the better option.
How much does roof replacement cost in Louisville, KY?
Roof replacement costs vary based on roof size, pitch, materials, ventilation requirements, and whether storm damage is involved. The best way to get accurate pricing is through a detailed roof inspection and written estimate.
How long does a roof last in Kentucky?
Most asphalt shingle roofs last between 20–30 years depending on material quality, installation, ventilation, and weather exposure. Severe storms can shorten that lifespan if damage is not properly addressed.
Insurance & Deductibles
Do I have to pay my deductible?
Yes. It is required by law that the deductible must be paid before your insurance coverage is applicable. Not paying your deductible is considered insurance fraud.
How does a deductible work?
If your deductible is $1000, you must pay your designated contractor $1000, or whatever the amount of your deductible is, before work begins. Your insurance company is responsible for any costs over the $1000.
Once the work is complete, your contractor will submit a bill to your insurance company for the remaining balance. Your insurance company will then send a check for the remaining amount to you and you will pay the contractor directly. To spend the money on anything other than approved repairs is insurance fraud.
Can my contractor be present when my insurance company does their inspection?
Yes. Most insurance adjusters prefer for the roofing contractor to be present during a roof inspection. This is to help the insurance adjuster properly identify the damages. Most insurance adjusters are not roofers and they appreciate the expertise that a roofing contractor provides.
How long is this (getting an approved insurance claim) going to take?
Typically, our goal is to move from estimate to installation in as little as four weeks. However, the exact timeline depends on your insurance carrier, the time of year, and how busy adjusters are following storms.
Some claims move quickly, while others require additional documentation or clarification. We work hard to keep the process moving and minimize delays, but clear communication and patience from the homeowner are important. With your support and prompt responses, we can often help keep the process on track and moving as efficiently as possible.
Roof It Right will give you all the documentation and tools that you need to successfully get a claim approved as soon as possible.
What if the insurance company doesn’t pay the full amount?
They will, if you are patient and allow us to guide you.
Unless there is wording in your policy that they will not cover something specific, they have to cover all expenses that restore your roof to its pre-storm condition. As roofers who do it right, we are able to prove that certain expenses are necessary in order to accomplish that. The insurance company may initially deny certain items, but that is all part of the give-and-take negotiation process. We will coach you on how to handle any denials. Remember, you are only responsible for the deductible if you do not give up! The insurance company should pay, and we will help you get that accomplished. In rare cases, we may ask you to go to appraisal or request an appraisal from the insurance company.
Will my insurance company raise my rates or drop me?
Not usually.
It used to be that no, an insurance company could not raise your rates or drop your coverage for filing a storm damage claim. After all, a storm is an Act of God and not your fault. You pay premiums for just such events. Homeowners insurance rates should be based on geographical data. For example, if an area is known to be prone to hurricanes, the rates will be higher for everyone in that area.
However, that is not always the case anymore. For that reason, we do not recommend that you file a claim, unless you have legitimate storm damage verified by a professional roofer. Even so, we cannot categorically promise you that your insurance company will not drop you or raise your rates. Some have been known to do so more frequently in recent years. However, it is not ethical. Depending on the circumstances, you may be able fight it.
For example, if you are dropped after a denial, it may be that the insurance company knows that they should have paid the claim and you are a liability. The American Policyholder Association is a non profit organization that promotes integrity in the insurance industry. If that happens to you, they may be able to help you.
Working With Roof It Right
What makes Roof It Right different from other roofing contractors?
At Roof It Right, we focus on building complete, code-compliant roofing systems, not just installing shingles. That means proper underlayment, ventilation, flashing, and manufacturer-required components installed the right way the first time.
We are certified with major manufacturers, which allows us to offer extended warranties, and we stand behind our workmanship with our own guarantee. Whether you’re paying out of pocket or navigating a roof insurance claim, our goal is long-term performance, clear communication, and a roof you never have to worry about.
Do you offer warranties?
Yes. Roof It Right offers both manufacturer-backed warranties and our own workmanship warranty to protect your investment long after your roof replacement is complete.
As a Preferred Contractor, we are able to provide extended manufacturer warranties, in many cases increasing coverage from 10 years to up to 50 years on qualifying systems. We also guarantee our own workmanship, with coverage ranging from 2 to 10 years depending on the project. Every roof we install includes an Extended Lifetime Warranty, and we handle warranty registration for you after final payment so you don’t have to worry about the paperwork.
What brands of shingles do you install?
We are certified with major roofing manufacturers and install high-quality asphalt shingles designed to perform in Kentucky’s demanding weather conditions.
We most often recommend and install TAMKO Titan XT® and TAMKO StormFighter FLEX® shingles. Titan XT® features TriShield™ and AnchorLock™ technology for reinforced durability and wind resistance up to 160 mph. StormFighter FLEX® is a polymer-modified, Class 4 impact-rated shingle powered by TAMKO’s ForceFX® and AnchorLock™ technologies, delivering enhanced flexibility, cold-weather performance, and superior storm protection.
In addition to TAMKO products, we are certified to install other premium brands including Owens Corning, CertainTeed, IKO, Durolast, and GenFlex. No matter the manufacturer, our focus is always on installing a complete, code-compliant roofing system — from underlayment and ventilation to flashing and warranty registration — to ensure long-term performance and protection.
Do you offer financing?
Yes. We offer financing options for homeowners who prefer to pay over time rather than all at once.
If you are paying out of pocket for a roof replacement, the process is typically more streamlined because it does not involve insurance documentation, adjuster coordination, or supplemental paperwork. Insurance-related projects often require additional administrative work to ensure the scope of repairs meets policy requirements and building code standards.
For out-of-pocket projects, we typically require a deposit to secure materials, with the remaining balance due shortly after completion. If you’re unsure which option makes the most sense for your situation, we’re happy to walk you through the differences so you can make an informed decision.