Retail vs. Insurance: What Homeowners Need to Know - and Why Novare’s Approach Works in Your Favor

At Novare, we know that replacing your roof is more than just a construction project—it’s a major investment in your home. Whether you’re considering a retail roof replacement or filing an insurance claim for storm damage, we’re here to guide you through the process with clarity, honesty, and unmatched expertise.

One of the most common points of confusion we hear from homeowners is the difference between a retail estimate and an insurance proceeds roof replacement. We get it—the paperwork is confusing, the language is technical, and it’s not always clear who’s on your side. That’s why at Novare, we make it simple: we work WITH your insurance company, not against them.

This collaborative approach ensures your best interest is front and center—because at Novare, the homeowner is always our priority.

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Common Questions Homeowners Ask—and How Novare Helps

1. Why is the retail estimate different from an insurance estimate?

Insurance companies use standardized pricing systems like Xactimate to calculate claim estimates. At Novare, we help bridge the gap by working directly with your adjuster to make sure nothing essential is left out—ensuring you get the full value of your claim.

2. Will insurance cover everything the contractor says I need?

They should—but only if it’s properly documented and justified. That’s where we come in. Novare advocates on your behalf, providing the supporting documentation, photos, and code references needed to make sure your insurance company understands the full scope of the damage.

3. Can I keep leftover money from my insurance claim?

Most insurance policies are based on Replacement Cost Value (RCV), which means the full payout is contingent on completing the full scope of work. Trying to cut corners and pocket the difference can not only void part of your claim—it can also leave you with substandard results. Novare’s focus is on getting the job done right, so you’re protected for years to come.

4. Can I upgrade my roof and just pay the difference?

Yes! Many homeowners choose to take advantage of this moment to install upgraded shingles, metal, or even a Fortified roof. Novare will apply your insurance proceeds toward the cost of the roof and give you a fair, transparent price for any upgrades—so you get exactly what you want without unnecessary stress.

5. Do I still have to pay my deductible?

Yes, and any contractor who tells you otherwise is putting your policy—and your claim—at risk. Novare plays by the rules to protect you and your home. We’ll help you understand what you owe and why, and work to ensure your insurance company covers the rest fairly and accurately.

6. Why is my claim broken into multiple payments?

Insurance claims are typically paid in stages: the initial ACV check, followed by the recoverable depreciation once the work is complete. Novare keeps you informed every step of the way, so you always know where things stand and what to expect next.

7. What happens if we find more damage during the job?

If hidden issues arise—like damaged decking or flashing—we don’t panic, and neither should you. Novare documents the issue and works with your insurance company to submit a supplemental request. You’ll never be left in the dark or stuck with a surprise bill.

8. Can I choose my contractor or do I have to use the one insurance recommends?

You have the right to choose who works on your home. Period. Insurance companies may suggest preferred vendors, but at Novare, we believe you deserve someone who answers to you, not them.

9. Will this affect my insurance policy or rates?

Filing a claim for storm damage is part of what you pay insurance for. We can help you understand potential impacts, but rest assured—working with a trustworthy contractor like Novare helps reduce risk for your insurer, which can be a benefit in the long run.

10. What’s the benefit of using a Fortified or certified contractor?

Novare is a Fortified Certified Roofing Contractor and an Atlas Platinum Pro—meaning we meet the highest standards for installation and quality. Choosing a Fortified roof can lead to insurance discounts, better long-term performance, and increased home value.

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Our Commitment to You

At Novare, we believe roofing shouldn’t be a battle between homeowners and insurance companies. It should be a partnership. We’ve built our reputation on doing things the right way—with integrity, transparency, and a relentless focus on our clients’ best interests. When you choose Novare, you’re not just getting a new roof—you’re getting peace of mind.