Loss Of Insurance Meant John’s Need For A
Chicagoland Roof Replacement Was Dire –
Now He’s Covered Again, With A Discount
Apex’s Rapid Response Was The Key To
A Prompt Resolution And New Benefits
There’s more than one potential reason for scheduling a Chicagoland roof replacement. Most often, the issue is extensive damage or long-term wear and tear. However, you may also need to update your roof for insurance purposes.
That’s what happened to John E. of St. Charles.
On short notice, John’s homeowners insurance company informed him that they would no longer provide him with coverage. Why? His roof was made from traditional cedar shake and lacked adequate impact resistance.
So when John called the team of experts at Apex Exteriors, he needed help in a hurry.
Of course, we were happy to accommodate him. In short order, we gathered the necessary details and scheduled his replacement project.
The new roofing we installed not only met his insurer’s criteria. They exceeded them. In fact, John’s updated roof was so good that he qualified for a lower insurance premium!
Cedar Shake As A Roofing Material
Cedar shake was once a dominant roofing material across much of the U.S. Today, it’s less common. However, in Chicagoland, there are still plenty of roofs clad in its thick, textured wood segments.
When it’s high-quality and in good shape, cedar shake is a solid roofing option.
However, much of the shake sold in our region is of low quality. As a result, it offers less protective value, even when it’s new.
To make things worse, our varied local climate can wreak havoc on cedar roofing as the years go by. As a result, quite a few local homes are more vulnerable to weather-related issues than they should be.
John’s Insurance-Related Roof Replacement
Given these facts, we weren’t surprised when John contacted us with the news: His insurer wouldn’t renew his homeowners’ policy with his current cedar shake roof in place.
The reason? His roof didn’t meet their minimum standards for impact resistance.
You don’t necessarily think of Chicagoland when you think of severe storms. However, these kinds of weather events are becoming increasingly common. So, the insurance company’s decision wasn’t necessarily out of step.
But, as insurers often do, they gave John very little time to remedy the situation.
This meant that his need was urgent. Unless we could help him ASAP, his insurance coverage would lapse.
Choosing The Right Alternative Roofing Material
The first task in this time-limited scenario was selecting the material for John’s roof replacement. He liked the look of cedar shake, so we already had a good starting point.
At Apex, we feature top-tier roofing products from trusted manufacturer DaVinci.
Among other things, DaVinci specializes in 21st-century composite roofing that looks traditional but performs up to modern standards. That includes products that mimic the appearance of cedar shake.
John’s insurance company required him to use roofing with an impact rating of Class 3 or higher. This is the second highest rating available and provides excellent protection.
The DaVinci product John chose was rated Class 4. This meant that the new roof would provide him with maximum protection under today’s standards.
What’s more, his new, high-durability roofing came with just a minimal requirement for regular maintenance.
Approval From John’s Chicagoland Insurer
We scheduled John’s roof replacement at the earliest possible date. When the time came, we performed that replacement to our usual elite standards.
What did John’s insurance company think of the results?
Not only did they renew his homeowners coverage. The use of Class 4 roofing qualified him for a discounted rate on his annual premiums.
We call that a win/win situation. And so did John.
Top-Tier Roofing Services For Your Local Home
Want a roofing contractor who comes through in the clutch for you and your local home? Contact Apex Exteriors today for your free project consultation. With our help, you can successfully navigate even the most challenging homeowner scenarios.
