Frequently Asked Questions

We are more than happy to answer any questions you may have regarding financing and insurance. However, we get asked many similar questions from church pastors, homeowners, and business owners alike. No matter who you are or why you require our services, we can help. Here are some of the most frequently asked questions our team receive.

Q1: Do you offer financing?

A: Yes. We offer 100% financing with low monthly payments over 12 months. This financing covers all types of remodeling and repairs, not just our roofing services. The only requirement that we have is that the project needs immediate work. These immediate services include any roofing, siding, and water mitigation problems that need urgent attention.

Q2: Is there a limit on how many claims I can file?

A: There is no limit. If your claim is denied, you have the option to file again. We complete most of our claims within a week. Some cases, however, might take up to 30 days, depending on each claim. Once we hear back from the insurance company regarding your claim, we will contact you.

Q3: What happens when my insurance company denies my claim?

A: We meet with your insurance adjuster and they come out to inspect the damages to your home after a storm. We will go over all of the details of what happened with your roof and why you believe their insurance policy should cover it. Unfortunately, in most cases, they deny these types of claims for one reason or another. However, it never hurts to refile a claim in case it gets approved on another look.

Q4: Will my homeowner's insurance company pay for my new roof?

A: Your homeowner’s insurance company will cover the total cost of a new roof. These include removing and disposal of your old roof, installing your new roofing materials, any extra tear-off charges, and repairs to your home that need completion while we do our work. We have an 80% success rate in getting free new roofs (minus your deductible) installed for homeowners.

Q5: Do I need Wells Roofing and Remodeling to meet with the insurance adjuster?

A: Yes. Insurance adjusters work for the insurance companies, not you. Having Wells Roofing and Remodeling meet with the adjuster ensures that your interests are completely covered in our roofing services.

Q6: What happens if Wells Roofing and Remodeling says I have roof damage, yet the claim adjuster denies my claim?

A: You are entitled to at least one re-inspection in most cases. Because of this, you might be able to get a second approval from the claim adjuster with another inspection.

Q7: Can I keep the money given to me by the insurance company for my roof to do other things?

A: No. The written, detailed estimates of your roof and repairs are valid and legally binding contracts. Failure to comply with the terms is insurance fraud. Generally, claims checks are made payable to you, the contractor, and your mortgage company. As a result, these payments protect all parties.

Q8: Can my insurance company withhold a portion of my check for repairs?

A: Yes. They want to make sure that the work is complete. Therefore, it is customary to withhold 25-33% until Wells Roofing and Remodeling certifies that all repairs are complete. This percentage is in the form of recoverable depreciation.

Q9: How can I avoid paying a deductible?

A: There are many ways you can avoid paying a deductible when filing an insurance claim.  Ask us how and we can explain in detail so that we can assist with our roofing services.

Q10: What are the main reasons my insurance company will pay for the replacement of my roof?

A: The main three reasons are hail damage, wind creasing or breaking the adhesive seal of the shingles, and blown-off shingles from at least two sides of the roof. Your contractor must meet with the adjuster when they come out to your home to inspect your roof.

Q11: Will Wells Roofing and Remodeling assist me with filing my claim?

A: We will assist you with filing your roof claim, and we will handle all of the paperwork. We will also meet with the insurance adjuster when they come out to your home to inspect your roof and any other damages you may have.

Q12: Are there any other options available to me if my claim is denied?

A: Yes. We have 100% financing with low monthly payments. Our financing covers roof replacement as well as other types of remodeling and repairs. Not only that, but our financing is also applicable to our water mitigation and restoration services. No matter the services you require from us, our financing can help.

Q13: How reliable are your contractors?

A: We are committed to hiring only the best contractors in the Memphis, TN, area through our rigorous background checks. We also ensure that all our contractors have the best insurance and training possible.

Q14: How can we get in touch with Wells Roofing and Remodeling?

A: Give us a call today at 901-482-2546. You can also send us an email at or fill out our online contact form. You can even stop by our office located at 5118 Park Ave, Suite 114, Memphis, TN 38117. No matter how you get in touch with us, we will make sure to get back to you as soon as possible.