Billing, financing and insurance questions

No, and we cannot take cash payments above $500 either. Both limits are firm and they apply to every job regardless of size. Everything else is open to you: Visa, Mastercard, American Express, Discover, ACH bank transfer, and financing on qualifying projects. If neither of those excluded methods being unavailable works for you, tell us before the crew arrives rather than at the door.

No. The diagnostic fee is not refundable, and it is a distinct thing from being waived. If you approve the repair, the fee is waived and does not appear on your invoice. If you decline, the fee is what you pay and it is all you pay, and the written fault report is yours to keep and to take to another contractor for a second quote. You are paying for the diagnosis and the report, and you receive both either way.

Only if the total is $3,000 or above, which most repairs are not. Financing starts at $3,000 and below that neither lender will write the paper, so a service call, a tune-up, an inspection or a diagnostic visit cannot be financed at any price. It applies to installation, replacement, remodeling, additions, roof replacement, and panel upgrades and generator installation. If your repair comes in under the minimum, the card and ACH options are the practical route.

Two options through two lenders: 0% APR over 12 months, and 6.99% APR fixed over 60 months. The 0% offer is genuinely 0% if you clear the balance inside 12 months, but if a balance remains after month 12, interest is charged from the original purchase date rather than from month 13. That is how deferred-interest financing works everywhere and it is worth knowing before you choose it. The 60 month option is a plain fixed-rate loan with no early settlement penalty.

No. The application runs a soft credit check, which does not affect your score, and it returns a decision in minutes. You can apply before you commit to the work, so the monthly figure is part of the decision rather than something you work out afterwards. Bring the quote reference and a photo ID; we can do the application with you at the kitchen table or over the phone.

On completion for service work, and on a staged schedule set out in the quote for larger projects. We do not ask for payment before work starts on a service call. On a project, the stages are written into the quote before you sign, and the final payment is due after the snag list is cleared rather than before it, so you are never paying for work that is not finished.

They are passed through at cost and itemised separately on your invoice, so you can see what went to the county and what came to us. We pull the permit, book the inspection and meet the inspector on site as part of the work. We do not mark permit fees up.

No, and be careful of anyone who says they will. We are not public adjusters and we are not licensed to act for you in a claim. What we do is document the damage properly, meet your adjuster on the roof, answer technical questions about what failed and why, and carry out the work your insurer approves. The claim itself stays between you and your insurer. If you want somebody to argue the claim for you, hire a licensed public adjuster, which is a real and regulated profession in North Carolina.

No. Your deductible is yours to pay and it is due to us on completion. We will not absorb it, discount it, or inflate the scope to cover it. Contractors who offer to waive your deductible are committing insurance fraud and exposing you to it too, because the homeowner signs the claim, and it is straightforwardly illegal in North Carolina. If the approved scope comes in below your deductible there is no point claiming at all, and we will say so.

Most policies here settle on a replacement cost basis in two payments: an initial actual cash value payment, then the recoverable depreciation once the work is complete and invoiced. That second payment is why the paperwork at the end matters as much as the paperwork at the start. We provide the final invoice and completion documentation your insurer needs to release it, and financing can bridge the gap between starting the work and the depreciation arriving.

It depends on whether the cause was sudden or gradual, and structural claims are refused more often than any other kind we see. Standard policies generally cover a sudden event: a tree through the roof, a vehicle into the wall, a burst pipe that soaked the framing over a weekend. They generally exclude gradual causes: long-term water ingress, rot, termites, settlement and earth movement. Most of what we find in Triangle crawlspaces falls in the second category, and filing anyway usually produces a denial that sits on your claims history.

Read it very carefully and consider not signing. It hands the contractor the right to deal with your insurer directly and to be paid directly, and it can leave you liable for the difference if the claim settles low. We never ask for one. After a significant hail event, out-of-state crews arrive, knock doors and press for a signature that day, and this is one of the documents they press for.

Billed monthly by card or ACH, and you can cancel any time with 30 days notice, with no exit fee. Visits already delivered in the plan year are not refunded. There is no minimum term and no automatic price escalation written into the plan.