LG Renovations

9535 Forest Lane
Suite 220
Dallas, TX 75243

General Question

info@lgrenovations.net

Location

10935 Estate Lane, Suite S325
Dallas, TX 75238

Insurance Claims

claims@lgrenovations.net
email

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FAQ

Frequently Asked Questions

LG Renovations

 
How long has LG Renovations been in business?
LG Renovations is a family owned and operated roofing company operating in the Dallas/Fort Worth area since 2013.
Are you a member of the Better Business Bureau?
LG Renovations has been a member of the BBB for the past 3 years and we have established a proven track record with them. You can visit our BBB site to review our file.
Can you provide references?
Absolutely! We have restored a countless number of homes and business in the Dallas/Fort Worth area. We have residential and commercial references available upon request or check out our portfolio.
What forms of payment is accepted?
We accept cash, checks, and all major credit cards; American Express, MasterCard, Visa, and Discover. Learn about our finacing options here!

Selecting a Contractor

 
Should I get several estimates?
It is always prudent to get more than one estimate. However, when insurance is paying for the work, the dollar amount of the estimate is not very important as long as it is equal to or less than the insurance company estimate. In all such cases, with LG Renovations, at the most you will only be paying your deductible; so your cost with us will be what the insurance company pays. Therefore, your decision should be based on going with the contractor that you feel most comfortable with and whom you feel will perform the best job.
Get an extensive warranty.
Not all contractors can offer manufacturer warranties that include coverage of the contractor’s workmanship. If a contractor installs the roof incorrectly, it may take months or years for the damage to show up—and insurance won’t pay for it. If the contractor won’t fix it (or worse, has gone out of business), your only recourse is to pay for their mistake yourself. Here at LG Renovations, we work with a number of manufacturers to offer our customers not only multiple material options but also extended manufacturer warranties other contractors just cannot provide. We are currently authorized to offer extended roofing warranties from GAF, Atlas Roofing, & Malarkey Roofing.
Pay your deductible.
Any contractor who claims they can handle the repair without having the homeowner pay their insurance deductible is committing insurance fraud and endangering the homeowner. The insurance deductible is the responsibility of the insured, and the contractor should reflect that in the quote without inflating the estimate to cover all or part of the deductible.
Check for proper licensing and insurance.
The contractor should have insurance for all employees and subcontractors and be able to provide a copy of their insurance certificate for validation. Not having adequate insurance could potentially lead to litigation between a contractor and homeowner if a roofing employee sustains an injury at the home. Texas DOES NOT require licensing for contractors. Therefor, check for contractors who are certified by the manufacturers they use. Certified contractors have undergone special training with the manufacturer ensuring quality practices and standards are upheld.
Ensure the proper permits are in place.
Contractors who work without pulling proper building permits subject homeowners to possible fines; noise complaint fines, building code violations, homeowner associations fees, etc. Make sure your contractor of choice has all the necessary permits and applications approved by your city and HOA prior to beginning work.

Insurance Claims

 
What is a deductible?
An Insurance Deductible is simply the amount of money that the insured is required to pay, for repair to damage, under the insurance policy. The insured chooses the deductible at the time of purchasing the insurance coverage. For the most part, the lower the deductible, the higher the insurance premium.
It looks like my insurance company has already deducted my deductible from the check they sent me. Do I still owe it?
When most people look at their insurance paperwork they are confused, because they think the insurance company deducted their deductible from the money the insurance company has sent them. However, the deductible is the amount that the homeowner is responsible for paying directly to the contractor. The insurance company subtracts the homeowners deductible amount on the paperwork from the total amount the insurance company allows for the claim, since the homeowner will pay their deductible directly to the contractor. The balance after subtracting what the homeowner will pay directly to the contractor as a deductible, is the total amount the insurance company will actually pay for the claim.
Why did my insurance company withhold depreciation?
There are two reasons that insurance companies hold some money back. The first, is to ensure that you get the work done. Past experience has shown them that if they give the customer all the money up front, many people end up spending it on something else. The second reason is to ensure that you pay your full deductible. Insurance companies reason that if you are given all the money to begin with, many people would naturally try to find a contractor who would perform the job for the dollar amount in hand. By holding a retainage amount, they can adjust the amount of the final payout based on the roofing contractor’s invoice, thus assuring that the customer does pay the deductible.
Will I get the money withheld due to depreciation?
Yes. Most homeowner policies cover full replacement value. The first check the insurance company gives you is the Actual Cash Value (ACV) what the roof is worth today with it’s useful remaining life. The money that was withheld is called the depreciation and will be paid to you when the work is completed and an invoice has been subitted indicating incurred costs.
What if your estimate is greater than that of my insurance company?
Usually this is because of something the insurance adjuster missed in the scope of work to be completed. We ensure all hail related damages will be covered by your insurance company. We will submit what is called a “supplement” with documentation in the form of pictures, measurements and paperwork. The insurance company will review the supplement and upon approval, send a check for the additional monetary amount needed to make the repairs.

Maintenance

 
How do I know if I have a roof problem?
Unfortunately, many smaller roof problems can go unnoticed until they become a BIG problem! Because of this, we recommend that homeowners have their roofing inspected at least twice a year so that we can find any small problems before they cause major damage. We also recommend that homeowners have a roofing inspection done before buying or selling a new home, and this is usually part of a normal home inspection. Your periodic inspections will usually discover any cracked, warped, or missing shingles, and they will notice any roofing problems visible from the exterior of the home.

Indoors, a leaky roof may show up as cracked paint, discolored plaster or drywall, and peeling wallpaper. If you have an attic or upper crawlspace, after a heavy rain you will want to look for any pooling water or moisture problems. Additionally, if you think you have animals in the attic (if you hear scratching from the attic, for example), you may want to have a roofing contractor inspect your roof to determine whether the animals got in through a hole or damage to the roof.

Click here to schedule your free roof inspection!

How long can I expect my roof system to last?
Most new roof systems are designed to provide useful service for about 20 years. Some roof system types, such as slate, clay tile and certain metal systems, can last longer. Actual roof system life span is determined by a number of factors, including local climatic and environmental conditions, proper building and roof system design, material quality and suitability, proper application and adequate roof maintenance.
Roofing product manufacturers offer a variety of warranties on their products. Take a close look at those warranties to see what responsibilities and financial obligations manufacturers will assume if their products fail to reach their expected lives.

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Unsure about filing an insurance claim or looking to make some repairs or renovations? Let us inspect your property for free!

LG Renovations

10935 Estate Lane, Suite S325
Dallas, TX 75238

Phone

972-532-3676
Fax 972-244-3940

About LG Renovations

LG Renovations is a general contractor specializing in storm restoration. We are a local, family-owned & operated company established in September of 2013.

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