Frequently Asked Questions (FAQ)

Q. WILL FILING THIS CLAIM CAUSE MY PREMIUM TO GO UP?

A. No!. Filing a claim will NOT cause your homeowner’s premium to increase. Homeowner’s insurance focuses more on the region that you live in. The number of catastrophes your area has suffered in the past few years, the potential risk in your area, the type of residential home, and the amount of coverage you buy, and other factors dictate the bulk of your premium. Filing one claim will not spike your premium. Now, your premium may go up in the subsequent year.

The premiums are usually raised in bulk for a given region, not individually, and insurance companies can only submit rate increases once per year.

 

Q. ARE YOU LOCAL, LICENSED, AND INSURED?

A. Yes! We have been successfully handling storm damage repair projects across the Kansas metro-area since 2017 and have HUNDREDS of references.We are Licensed and Insured.

 

Q. DO YOU REQUIRE A DEPOSIT BEFORE WORK BEGINS?

A. No! We don’t collect a payment until materials have been delivered to your address and work has started, and the final payment is due upon all work is complete!

 

Q. WHAT HAPPENS IF MY INSURANCE COMPANY DENIES COVERAGE?

A. Agape Grace LLC Residential Roofing Services’s claim specialists will always put the homeowners best interests first. We will always try to get everything fully approved so your only out of pocket is your deductible, however if your insurance company denies coverage then there is no liability what-so-ever and we are happy to write you a full and fair estimate for repairs or replacement.

 

Q. HOW MUCH WILL MY ROOF COST ME TO REPLACE?

A. .All inspections are completely free of charge. Most clients only out of pocket costs is their deductible (usually $500-$1000), however if your insurance denies coverage or the issues are not storm damage related, then we will always provide a full estimate at no charge!

 

Q. WHAT ITEMS ARE NOT COVERED BY MY INSURANCE?

A. .Depending on your particular insurance policy, damage caused by floods, earthquakes, normal wear and tear, and damage due to homeowner negligence are likely not included in your policy. However, you can get additional insurance to cover earthquakes and floods.

Boats, expensive jewelry, fine art, and high-end electronics may also need a separate schedule added to your policy in order to be covered in case of a theft or natural disaster.