Frequently Asked Questions
Navigating roof repairs, insurance claims, and contractor choices can feel overwhelming. That’s why we’ve compiled answers to the most common questions homeowners have about roofing, costs, timelines, and insurance coverage. Find clear, honest information to help you make the best decision for your home—without the stress or guesswork.
FAQs
We understand that a roof replacement is a big investment, but delaying necessary repairs can lead to even more costly damage down the road. At K&M Roofing, we make it as affordable as possible by working directly with your insurance company to maximize your claim and minimize out-of-pocket costs. On average, we secure 19% more in insurance payouts for our customers. We also offer flexible financing options, so you don’t have to pay everything upfront. Our goal is to ensure your home is protected now without financial stress.
While a patch might seem like a quick and inexpensive fix, it often ends up costing more in the long run. Hidden damage beneath the surface can lead to leaks, mold, and structural issues that insurance may not cover if repairs are delayed. At K&M Roofing, we offer a free, no-obligation inspection to determine whether a repair is truly a viable option or if a full replacement is necessary. If a replacement is needed, we handle the insurance process to ensure you get the most coverage possible.
Yes, we offer financing options to fit your budget. Whether insurance covers part of your roof replacement or you need additional financial flexibility, we provide low monthly payment plans and zero-interest options for qualified homeowners. This allows you to get your roof replaced now without a large upfront cost. We believe that every homeowner deserves a strong, secure roof, and we make it as easy as possible to afford one.
Unfortunately, some insurance companies underpay or deny claims, leaving homeowners with unexpected expenses. That’s where we come in. We fight on your behalf to ensure you get the maximum payout possible. If there’s still a gap, we offer financing solutions to cover the difference. Unlike some contractors who leave you to deal with insurance alone, K&M Roofing handles everything—so you don’t have to stress over paperwork, negotiations, or unexpected costs.
We believe in full transparency. At K&M Roofing, we use industry-standard pricing that aligns with what insurance companies consider fair and necessary for high-quality materials and expert installation. Plus, we offer free inspections and estimates so you can compare before making a decision. With over 60 years of combined experience and a proven track record of securing homeowners the best deals, you can trust that we’re always looking out for your best interests—not upselling unnecessary work.
At K&M Roofing, trust is the foundation of everything we do. With over 60 years of combined experience and a proven track record of serving local homeowners—not storm chasing, we’ve built our reputation on integrity, transparency, and quality craftsmanship. We’re fully licensed, insured, and backed by certifications that demonstrate our commitment to excellence. Plus, our hundreds of satisfied customers and referrals speak for themselves. We encourage you to check out our reviews and talk to past customers—your peace of mind matters to us.
We know the roofing industry has its share of bad actors, and that’s why we operate with complete transparency and accountability. Unlike fly-by-night storm chasers, K&M Roofing is a local company with a long-standing reputation in the community. We provide detailed written estimates, explain all costs upfront, and never ask for full payment before work begins. We also encourage homeowners to verify our credentials, read our reviews, and compare us with other reputable roofers before making a decision.
Absolutely. We treat every home as if it were our own, taking extra precautions to protect your landscaping, driveway, and surrounding areas from debris. Our team uses heavy-duty tarps, magnetic nail sweepers, and a strict cleanup process to leave your property as clean as we found it—if not cleaner. We also keep you informed throughout the process so you always know what to expect.
There are no surprises with K&M Roofing. Our team provides detailed, itemized estimates upfront, so you know exactly what’s covered and what to expect. If we uncover any unexpected issues once work begins—such as hidden wood rot—we’ll bring it to your attention immediately and discuss solutions before proceeding. Our priority is to be fully transparent so you can make informed decisions without pressure or hidden fees.
Even if your roof isn’t leaking yet, hidden damage could be worsening. Small cracks, missing shingles, or hail dents may not cause immediate leaks, but over time, they weaken your roof’s structure. If water seeps in undetected, it can lead to mold, wood rot, and interior damage—turning a simple fix into a costly repair. Acting now can prevent bigger, more expensive issues down the road.
The best way to know for sure is to schedule a free professional inspection. Signs that your roof may need replacement include missing or curling shingles, granule loss, storm damage, or leaks. Even if everything looks fine from the ground, we use drones and advanced technology to identify hidden damage that could lead to future problems.
Delaying necessary repairs can lead to severe structural damage, interior leaks, mold growth, and higher costs in the long run. Insurance companies may also reduce or deny coverage if they determine the damage was made worse by neglect. The sooner you address the issue, the more control you have over the cost and outcome.
While it’s understandable to want to put off a big project, waiting too long can cost you more in the long run. If your roof has storm damage, your insurance company may have strict deadlines for filing a claim, typically within 6 to 12 months. Additionally, prices for materials and labor tend to increase over time. If your roof needs attention, it’s best to take action sooner rather than later.
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Yes—if your roof has storm damage, your insurance policy is there to protect you from major expenses. Many homeowners are hesitant to file a claim, but roof replacements can cost $10,000–$30,000 or more, depending on the size and materials. If you have covered damage, your only out-of-pocket expense is your deductible, making it a smart financial decision.
The timeline varies, but most claims are resolved within 2 to 6 weeks. The process typically looks like this:
- 1-3 days: You contact your insurance company to file a claim.
- 1-2 weeks: The insurance adjuster inspects the damage.
- 1-2 weeks: Your claim is processed, and the first payment is issued.
- 1-3 weeks after roof replacement: Your final insurance payment is released.
Having a trusted contractor like K&M Roofing on your side speeds up the process and ensures nothing is overlooked.
Filing a claim for storm damage typically does not increase your individual insurance rates. Roof damage caused by hail, wind, or other natural events is considered an "Act of God," meaning it’s not your fault. However, if many homeowners in your area file claims, insurance companies may raise rates for everyone in the region over time.
Insurance adjusters work for the insurance company, and sometimes they miss or underestimate the extent of the damage. That’s why it’s crucial to have a professional roofing contractor on-site during the inspection. We can provide detailed reports, photo evidence, and additional documentation to challenge an unfair assessment. If needed, we can also request a reinspection or involve a public adjuster to fight for the coverage you deserve.
No—you have the right to choose your own roofing contractor. Some insurance companies try to steer homeowners toward "preferred" contractors, but these companies often prioritize cost-cutting over quality. By choosing K&M Roofing, you get a trusted, local team that works for you—not the insurance company. We ensure your claim covers everything needed for a high-quality, long-lasting roof.
The decision between a roof repair and a full replacement depends on the extent of the damage, the age of your roof, and the overall condition of the materials. If you have minor issues, such as a few missing shingles or a small leak, a repair may be sufficient. However, if your roof is over 15-20 years old, has widespread damage, or has persistent leaks, a full replacement is often the best long-term solution. A professional inspection can help determine the most cost-effective option for your situation.
Homeowners insurance typically covers roof damage caused by sudden and unexpected events like storms, hail, high winds, or fallen debris. However, it does not cover normal wear and tear or damage due to lack of maintenance. If your roof damage is storm-related, filing a claim with proper documentation is essential. An experienced roofing contractor can help you navigate the claims process and ensure you receive the maximum coverage you’re entitled to.
Most residential roof replacements can be completed in one to two days, depending on the size of the roof, weather conditions, and material type. Commercial or more complex roofing systems may take longer. A professional contractor will provide a clear timeline before starting the project and keep you updated throughout the process.
Most roofing manufacturers offer warranties on materials that can range from 10 to 50 years, depending on the product. Additionally, a reputable roofing contractor should provide a workmanship warranty, typically lasting between 5 and 10 years, to cover installation-related issues. Be sure to ask about warranty details and ensure they are included in your contract.
You don’t need to be home, but we recommend being available by phone in case we need to discuss any unexpected issues or updates.
Roof installations involve hammering, nail guns, and material removal, so it will be loud during working hours. We recommend making alternate plans if you work from home or have young children or pets sensitive to noise.
To make the process smoother, we recommend:
- Moving vehicles out of the driveway to keep them safe.
- Removing fragile items from walls and shelves (vibrations may cause slight movement).
- Letting neighbors know in case they need to prepare for the noise.
Once your roof is installed, we:
- Conduct a final walkthrough to ensure everything meets our high standards.
- Perform a thorough cleanup using magnetic sweepers to pick up nails and debris.
- Provide warranty documentation for your records.
Still have questions?
Contact us on our contact form or give us a call at (903) 870-6748 for any questions
The K&M Insider
Stay informed with the latest in roofing, insurance restoration, and exterior home improvements. From protecting your home after a storm to enhancing your outdoor space, our expert guides and industry insights help you make the best decisions for your property.