Frequently Asked Questions
Q: What will this cost me?
A: If your home is approved, you will pay only your home owners insurance deductible. Your insurance company pays the rest.
Q: How is Cornerstone Exteriors, LLC compensated for their efforts with my insurance company?
A: We agree to handle all the insurance meetings, price negotiations and insurance invoicing on your behalf in return for the contract on all work to be performed.
Q: What if my home is not approved? Will there be fees to Cornerstone Exteriors?
A: Absolutely not! We will work with you on a contingency basis subject to insurance company
Q: Can I handle the insurance adjuster on my own?
A: Perhaps, but we strongly discourage all homeowners from doing this. This meeting is the most
critical part of the entire process. Your lack of insurance knowledge could affect your rights. Let our contractor handle this meeting for you. You won’t regret it.
Q: Will my insurance get cancelled?
A: NO. Insurance companies realize you have no control over a major storm that hit your area. This is usually referred to as an “Act of God” in most insurance policies. It will, however; ultimately depend on a variety of factors including your past claims history. If this is a concern, we will help determine your decision by asking you a few simple questions.
Q: Will my insurance premiums go up if I file a claim for storm damage?
A: Generally speaking, no. But regardless if you file a claim or not, your insurance will increase due to catastrophic events that the insurance industry has to cover in other areas of the country. Just compare your insurance rates from three years ago to today. You pay premiums for events like this, don’t be
intimidated by your insurance agent or the insurance company when it comes to file your claim.
Q: Am I limited on products and colors for the new applications to my house?
A: Not at all! Cornerstone Exteriors carries a full line of the industries’ highest quality roofing, siding, and window products available today. We will schedule a “color meeting” with you and your spouse after your insurance company approves your home to determine what products and colors you want us to use. This meeting generally takes about thirty minutes depending on your questions.
Q: What am I obligating myself to by signing a contract with Cornerstone Exteriors?
A: If the insurance company approves your home, we have the first right of refusal to complete the actual work. The total cost of your project will be the insurance proceeds plus your deductible.