No. According to Senate Bill 38, it is illegal for a contractor to pay a customer’s deductible. Allowing a contractor to pay your deductible is considered insurance fraud.

If your roof is near or over its estimated life expectancy, it will likely need to be replaced. If your roof has extensive damage, whether from hail or severe weather, replacing the entire roof is the best option. A few missing or damaged shingles in one area can be easily repaired with a minor fix. However, if the damage is more significant, it will most likely be best to replace.

Proper attic and roof ventilation helps regulate temperature and humidity, preventing mold growth and premature aging. It also contributes to energy efficiency by reducing the strain on your HVAC system.

Class 4 IR products perform better in hail. Most insurance companies provide discounts for Class 4 IR products on annual homeowner insurance policies.

Class 4 Impact Resistant Roofing Materials. Highest rating for roofing materials.

Too much debris in your gutters can plug up the drainage and cause damage to your fascia, ice damming, and premature aging of your gutters and downspouts. Typically, gutters should be cleaned at least once a year in the fall, after the leaves have fallen from the trees. However, if you have a lot of trees or evergreen trees, you may need to have them cleaned more frequently. Horn Brothers offers a wide range of gutter guards that have proven effective, even in resisting pine needles.

ACV means “actual cash value”, or what your roof is worth considering its age. RCV means “recoverable cash value”, or what it should cost to replace. If you have an RCV policy, you will receive the recoverable amount minus your deductible once the repairs are completed.

Yes. Hot attics affect the longevity of any roofing material and increase your utility bills. Horn Brothers evaluates all the roofs we install for proper venting. We will discuss the options and the associated costs with you.

No. Although there are impact-resistant products on the market. Horn Brothers installs roofing products in various materials and styles. Contact us for more information.

Yes, we will provide you with a complete estimate with a description of work plus the products selected for your project.

Yes, we do a detailed analysis of your attic ventilation. We inspect the attic and perform a Net Free Area calculation to ensure you have a balanced system based on your attic floor space.

We would be more than happy to provide similar project references and contact information.

Generally, 10% down, 40% on material delivery, 50% due at completion after a walk through with the Job Supervisor.

Yes, please get in touch with Horn Brothers Roofing to find select Solar Companies that have the expertise for the product and the necessary skills for installation.

It is a Senate bill passed to lay out Homeowners’ rights and hold contractors accountable for fraudulent practices.