Question 1

Why choose Zion Home Roofing & Siding?

Accepted Answer

We know your home is a valuable investment, and we also understand the stress that comes with storm damage. We value integrity and honesty as we guide our customers through their insurance claims and repairs with simplicity and expertise.

Question 2

Were the storms really that bad? I don’t see any damage.

Accepted Answer

In the past year, hail has been reported in your area, and even small hail, measuring just 0.75 inches, can cause damage to siding and gutters. Fortunately, many insurance policies cover cosmetic damage, allowing you to restore your home’s appearance and protect its value. This presents an excellent opportunity to update your exterior with minimal expense to you.

Question 3

What level of damage is required to file a claim?

Accepted Answer

Most insurance companies assess roof damage by inspecting a 100 sq. ft. area for hail impacts. If the damage meets their criteria, they may approve a full replacement. For siding, damaged aluminum panels are replaced, and if your original material is unavailable, as is often the case, many insurers will cover matching the rest. We offer a free inspection using the same standards to help you understand the extent of your damage and if it is worth a claim.

Question 4

Is this legitimate?

Accepted Answer

Yes! Almost all policies cover you for storm damage, even if your roof/siding is old or in poor condition. Major storms like the recent one are rare and have prompted insurers to deploy Catastrophe Teams to manage the high volume of claims. Your policy requires them to cover your loss at fair market value.

Question 5

Will my premiums increase, or could my policy be canceled?

Accepted Answer

Natural events like hailstorms are considered “Acts of God” and state law prohibits insurers from raising your premiums due to claims such as these that are outside of your control to prevent. While insurance companies can choose not to renew policies, it’s very unlikely they would do so based on a single weather-related claim.

Question 6

How is the payout process handled?

Accepted Answer

Once your claim is approved, your insurance company will issue an initial payment for the Actual Cash Value (ACV) of the damage - typically covering one-third to two-thirds of the total cost. After the work is completed, we bill the insurer for the remaining amount, known as depreciation. In the end, you’re only required to pay your deductible per state law.

Question 7

Are you local?

Accepted Answer

Yes, we are a local company in Cincinnati, OH, born and raised!

Frequently Asked Questions

Why choose Zion Home Roofing & Siding?

Were the storms really that bad? I don’t see any damage.

What level of damage is required to file a claim?

Is this legitimate?

Will my premiums increase, or could my policy be canceled?

How is the payout process handled?

Are you local?

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