Frequently Asked Questions

JNB Specialty Contracting holds an HIC license (Home Improvement) and is a Class A contractor. We are bonded and insured,and we are happy to demonstrate documentation of our current bonding and insurance coverage to prospective clients.

We accept a variety of payment methods for our client’s convenience; including all major credit and debit cards as well as ACH bank transfer. Financing options are also available. Other electronic payments Zelle, Venmo, Cash, Square, Apple pay and Cashapp. Please make all checks payable to JNB Specialty Contracting

Roofing warranties vary depending on the company that roofs your home and the type of shingles you select. For example, the Landmark Pro Architectural shingles from Certainteed come with a Lifetime limited transferable warranty against manufacturing defects , a 30-year StreakFighter algae-resistance warranty and a 15-year 110 mph wind-resistance warranty.

That being said, product warranties are determined by the shingle supply company like Certainteed or GAF. The labor warranty depends on the shingle installer, but for example, here at JNB Specialty Contracting, we offer a 10 year workmanship warranty, which guarantees the quality of our work on your roof. 

There are two types of shingles, three- tab shingles and architectural shingles.

Three-tab shingles are distinguished by cutouts—tabs—made along their long lower edge. The result, says Joan Crowe, a technical services director for the National Roofing Contractors Association (NRCA), is that “each shingle looks like three separate pieces when installed, but it’s only one.” Three-tab shingles have been around a long time and are still the most economical and most popular shingle today.

Architectural shingles contain no cutouts, but their lower portions are laminated with an additional asphalt layer. This creates the contoured, dimensional look that gives them their name. They mimic wood shake but with the durability of asphalt. Asphalt sealant bonds the layers, reinforcing the shingles’ waterproof capability. Though durable, architectural shingles are not recommended for low-sloping roofs, which are more vulnerable to wind-driven rain.  They are heavier and more durable than 3-tab shingles and have better wind resistance. They also have a longer life expectancy than 3-tab shingles.

At JNB Specialty Contracting, we are here to support homeowners through the process of filing an insurance claim. Filing an insurance claim for a roof replacement can be a complex process. We have the knowledge and guidance to help homeowners navigate it successfully. We optimize the insurance claims process by: 

• Assessing the damage
• Understanding the coverage
• Initiating the claim
• Liaising with the adjuster
• Submitting necessary documentation
• Communicating with the insurance company
• Executing the project

Generally, the roofing insurance claims process can be broken down into these basic steps.

          1. Inspection by the adjuster. 

The homeowner reports the damage to their insurance company, the insurance company will send an adjuster to get their own look at the damage. This insurance adjuster will inspect the roof, taking special note of any areas of damage that we,the roofing contractor,  identified in the initial inspection. One of our roofing professionals will be onsite to answer the adjuster’s questions and ensure no damage is missed. After the adjuster completes their inspection, they will create their own assessment of the damage, which will be sent to the insurance company. 

          2. Review the Claim.

Next, the damage assessment, also known as the claim, will be reviewed by the insurance company. During this time, the insurance company will evaluate the report of the damage provided by the adjuster to determine how much should be paid to the homeowner for repairs and/or roof replacement.

        3. Finalizing the claim.

Once the claim is reviewed and processed, the insurance company will finalize the total amount of damages. Depending on the homeowner's policy, once the claim has been approved, the insurance will send the homeowner the payments according to their ACV or RCV policy. 

For an ACV policy, the homeowner will receive the funds in one lump sum for the ACV before the repairs/replacement are started.

For an RCV policy, the funds are sent to the homeowner in two separate transactions. The first payment covers the roof's ACV and is sent before the repairs/replacement starts. The second payment for the roof's RCV is sent after the repairs/replacement is completed and we, the contractor, send the insurance the certificate of completion.

Actual Cash Value (ACV): This is the depreciated value of the roof. If this is the homeowner’s  policy, it means the  insurance company will only send the homeowner payment for the value of their roof today.

Replacement Cost Value (RCV): This means the insurance company will pay to replace the roof. The homeowner will first receive a payment for the ACV of the roof before repairs are completed. They’ll hold back the amount they calculate that the roof has depreciated. This is called recoverable depreciation.

Recoverable Depreciation: This is the second and final payment the insurance company will send the homeowner after we, the roofing contractor,  show proof that all the work has been completed. As stated earlier, this is the amount that the insurance company has determined that the roof has depreciated during its lifetime. If the homeowner ends up not having the work done, the insurance  doesn’t  pay for the depreciated part of the claim.

As the homeowner receives these two payments, they can deposit them and pay for the repair or replacement with cash, check, credit card, or other payment methods accepted by their roofing contractor. 

According to Adam Benson, the Roof Strategist, the contingency form does two things.

          1. It allows us, the roofing contractor,  to go to bat for our clients with their insurance company. By law, a homeowner's insurance information is protected. So, if the insurance company asks us and they see an autograph, it’s official that we’re working together. Then, they’ll let us communicate with them about the details of our client’s project.

          2. It states that we are the contractor of choice to do the work after we help the homeowner get their roof and all the other damage covered. We don’t charge the homeowner  for working with the insurance company or negotiating a claim. We only get compensated by actually doing the work on our client’s roof. So, if we get this all approved, we become the contractor of choice, and we do the project from start to finish.

If the insurance company comes back and says "we’re not going to cover it’" or "the coverage is insufficient", and we can’t change anything, then the contingency agreement is void.