Savage Roofing Inc Q&A

Our team manages all permit requirements, so you don’t have to worry about any paperwork or approvals!

ACV policies often have lower premiums but result in smaller payouts, while RCV policies provide more comprehensive coverage for full replacement costs. Understanding which policy you have helps set expectations for your insurance claim.

• ACV (Actual Cash Value) Policy: This type of policy reimburses you for the current value of damaged or lost property, taking depreciation into account. For example, if your roof is 10 years old, ACV coverage pays the value of a 10-year-old roof, not the cost to replace it with a new one.

• RCV (Replacement Cost Value) Policy: This policy reimburses you for the full cost to replace the damaged property with new materials of similar kind and quality, without deducting for depreciation. Using the same example, an RCV policy would cover the cost of a brand-new roof.

Depreciation in insurance terms refers to the loss of value of an item or property over time due to age, wear and tear, or usage.

Here’s a clearer breakdown:

1. How it works:

   • When you make an insurance claim, the insurer may calculate the value of damaged property based on its current worth, not the original purchase price.

   • For example, a 10-year-old roof isn’t worth the same as a brand-new one, even if it needs full replacement.

2. Types in insurance:

   • Actual Cash Value (ACV): Claim payout = Replacement cost minus depreciation.

   • Replacement Cost Value (RCV): Claim payout = Full cost to replace the item, sometimes ignoring depreciation (if your policy covers it).

3. Why it matters:

   • Depreciation affects how much you receive from your insurance claim. Knowing your policy type helps you understand what to expect.

An insurance scope of work is a detailed document prepared by your insurance company that outlines the repairs or replacements they will cover for your claim. It specifies:

• The damaged areas of your property

• The materials and labor approved for the repair or replacement

• Any limitations or exclusions based on your policy

Essentially, it serves as a blueprint for the restoration work and helps ensure that the repairs meet the insurance company’s standards.

We’d be happy to provide references and photos. The most relevant examples of our work can be viewed on our website.

Absolutely - we provide a variety of financing solutions designed to fit different budgets, so you can get the work done without compromising on quality!

1. Check Your Insurance Policy

• Look for the perils or events your policy covers (storm, hail, fire, water, etc.).

• Note any exclusions (things that aren’t covered).

2. Assess the Damage

• Document the damage with photos, videos, and notes.

• Include structural damage, roof leaks, siding issues, gutters, and interior damage.

3. Determine the Cause

• Insurance typically covers sudden, accidental events, not gradual wear and tear.

• Example: Storm damage → likely covered. Old roof shingle wear → usually not.

4. Check Policy Limits and Deductibles

• Your policy may have limits on how much it pays for certain damages.

• Deductibles must be paid first before insurance covers the rest.

5. Call Your Insurance Company or Public Adjuster

• Insurance adjuster will inspect the damage if you file a claim.

• Public adjuster can help you determine coverage, document damage, and maximize your claim.

Several factors determine roofing costs, including materials, quality, slope, and the size and shape of your roof. It's crucial to choose an Illinois roofing contractor based on the quality of work and materials rather than cost. 

There are several factors to consider when deciding to replace your roof. At Savage Roofing Inc, we look at the type of roofing material, the local climate, and the condition of your roof to determine if a replacement is necessary. Some roofing materials require replacement every 15 to 20 years, while others can last 40 or longer. Signs that it might be time for a roof replacement in Illinois including missing or damaged shingles, leaks, visible wear and tear, and a significant buildup of granules in your gutters. Regular maintenance and prompt repairs can extend the life of your roof. We suggest scheduling a roof inspection every 1 to 2 years after severe weather events to get the most years our of your investment. 

Yes, it’s often a good idea to obtain multiple bids. Comparing estimates can help you understand the scope of work, materials, and pricing, ensuring you make an informed decision. Keep in mind that the lowest bid isn’t always the best—quality, experience, and reliability are equally important factors to consider when choosing a contractor.

Signs It May Be Time to Replace Your Gutters:

1. Visible Damage: Cracks, holes, rust, or sagging sections are clear indicators.

2. Water Overflow or Pooling: Water spilling over the sides or around the foundation shows your gutters aren’t directing water properly.

3. Peeling Paint or Rot: Water damage to fascia boards or the exterior of your home can signal failing gutters.

4. Frequent Clogs: If debris accumulates constantly despite cleaning, your gutters may be worn or improperly pitched.

5. Pulling Away from the House: Loose or detached gutters indicate structural issues and reduced effectiveness.

6. Age: Gutters older than 20–25 years may no longer function efficiently, even if they look okay.

Replacing your gutters promptly can protect your home from water damage, foundation problems, and costly repairs.

Monday - Friday   8AM - 5 PM 
Saturday               8AM-12PM

Sunday                 CLOSED

A deductible is the amount of money you are responsible for paying out of pocket before your insurance coverage takes effect. For example, if your policy has a $1,000 deductible and your claim is for $5,000 in damages, you would pay the first $1,000, and the insurance company would cover the remaining $4,000.

Deductibles help lower your insurance premiums and are typically applied per claim or per policy term, depending on your coverage.

A public adjuster is a licensed professional who works on behalf of a policyholder (the homeowner or business owner) to help manage and maximize an insurance claim after property damage, like from a storm, fire, or water damage.

Here’s a clearer breakdown:

1. They represent you, not the insurance company.

• Insurance companies have their own adjusters who aim to minimize payouts.

• A public adjuster works exclusively for you to ensure you get a fair settlement.

2. What they do:

• Assess and document property damage.

• Review your insurance policy for coverage.

• Prepare and file the claim.

• Negotiate with the insurance company on your behalf.

3. Benefits:

• Can help uncover damages or costs that insurance might overlook.

• Reduce the stress of handling the claim yourself.

• Often increase the settlement amount compared to handling it alone.

4. Cost:

• Usually works on a percentage of the claim payout (often 5–15%), so they only get paid if you do.

**Think of a public adjuster as your personal advocate in the insurance process. **

Ice damming is a winter roofing problem where melted snow refreezes at the edge of the roof, creating a “dam” of ice that stops proper drainage.

Here’s how it happens in simple terms:

1. Warm roof → melting snow
Heat from inside the home escapes into the attic or roof deck, warming the shingles and melting the snow on top.

2. Cold eaves → refreezing
As the melted water runs down to the colder edges (the eaves), it refreezes and forms a thick ridge of ice.

3. Water backs up → leaks + damage
Since the water can’t drain off the roof, it backs up under shingles and can cause interior leaks, damaged insulation, sagging gutters, and even mold.

Why it matters?
Ice damming can look minor from the ground but can cause thousands in damage if not handled early.

Prevention basics:

• Proper attic insulation

• Good attic ventilation

• Keeping roof edges cold

• Professional snow/ice removal when needed

Insurance restoration is the process of repairing or rebuilding property after damage—such as from a storm, fire, water, or other covered events—with the cost covered by an insurance policy.

Here’s a breakdown:

1. Damage Assessment – A professional inspects the property to determine the full scope of damage.

2. Insurance Claim Assistance – The restoration company often works with your insurance company to document damage and support your claim.

3. Repairs and Replacement – Damaged parts of the home (roof, siding, gutters, interior, etc.) are repaired or replaced according to your policy coverage.

4. Restoration to Pre-Damage Condition – The goal is to restore the property to the same condition it was in before the damage occurred.

Why it matters:
Insurance restoration specialists help homeowners navigate the claims process, ensure repairs meet insurance standards, and often maximize the payout you receive for damages.

Asphalt shingles are the most common roof type in Illinois. They are durable, affordable, easy to repair, and low-maintenance. Savage Roofing Inc installs many asphalt roofs yearly, but we also offer cedar shakes, flat roofing materials, and more!

A reputable and dependable roofer brings extensive experience, holds the proper licensing, and carries liability insurance. You can verify their reputation by checking online reviews and requesting references from past clients. Look for industry certifications from recognized manufacturers or professional organizations. Additionally, a qualified roofer should provide clear, detailed estimates and offer product warranties for their work.

Our siding options include James Hardie, vinyl, and aluminum, giving you durable and stylish choices for your home.

1.Inspect the Issue

2.Review the Warranty

3.Contact the Roofing Company

4.Request an Inspection or Revisit

5.Understand the Cause

6.Get an Estimate for Repairs

Savage Roofing is located at 1815 Knapp Street, Crest Hill, IL 60403

Yes, absolutely!

Miss Teddy, our forewoman, will be on-site and serve as your main point of contact throughout the entire replacement process!

I’m afraid that isn’t something we can accommodate. The insurance deductible is always the responsibility of the homeowner. Additionally, it is required by law that the deductible be collected.