Insurance Claims & Storm Damage Disclosure

1. Our Role in Insurance-Funded Roof Work

Some roof repairs and replacements — usually after hail, a wind storm or a fallen tree — are paid for in whole or in part through a homeowner's property insurance claim. The insurance contract is between you and your insurer, and your insurer and its adjuster decide what the claim covers and pays.

Maritime Metal Roofing Ltd. installs Interlock® roofing in Nova Scotia, New Brunswick and Prince Edward Island. Our part is the roofing: an honest assessment of the roof, a written scope of work and a written price. With your permission, we will give you or your insurer the photographs, measurements, quote and product and warranty documents they ask for. The claim is always yours.

2. We Never Pay, Rebate, or Absorb Your Deductible

Your deductible is your responsibility under your insurance policy. Maritime Metal Roofing Ltd. never advertises, promises or agrees to pay, waive, rebate, offset or absorb any part of an insurance deductible, and never offers cash, gifts, upgrades or “free” work as an inducement tied to an insurance claim. We never raise a price to cover a deductible.

If any contractor offers to “take care of your deductible”, treat it as a warning sign: the cost is usually being hidden somewhere in the price billed to your insurer.

3. We Are Not Insurance Adjusters

We are a roofing contractor. We are not an insurance adjuster or a public adjuster. Independent insurance adjusters are licensed under provincial insurance law; we hold no adjuster licence. We do not interpret your policy, tell you what your claim is worth, negotiate or settle your claim, or represent you in dealings with your insurer, and we do not offer or advertise any claim-negotiation service.

What we can provide, with your permission, is factual support: photographs, measurements, a written description of the damage we found, and a written quote. If your insurer asks us about those materials, we will answer factually.

4. No Promises About Claims, Premiums or “Hail-Proof” Roofs

We do not promise that your insurer will approve a claim, pay for a new roof, or pay for an upgrade from your existing roofing to an Interlock® roof. If you want to put a settlement toward an Interlock roof and pay the difference yourself, ask your insurer whether your policy allows it before you sign anything.

We do not promise that an Interlock roof will lower your insurance premium or earn a discount. Each insurer sets its own rates and rules; ask yours, and get the answer in writing.

No roof is hail-proof, and we do not describe any roof that way. The Interlock® Diamond, Shingle and Slate, Shake and Tile aluminum panel families are listed to UL 2218 Class 4, the highest class in that impact test, by Intertek under Delta Building Products; the listing covers those panel families only. Class 4 is about the panel not cracking or rupturing on impact; it does not mean the panel cannot dent. Large hail can dent any metal roof.

5. Storm Damage and Your Roof Warranties

Two separate warranties cover an Interlock® roof installed by Maritime Metal Roofing Ltd., and neither one is storm insurance.

• Guardian Lifetime Limited Material Warranty — given by the manufacturer, Interlock Roofing Ltd. Its exclusions include damage from severe weather and Acts of God; hail larger than 38 mm (1.5 in); and normal wear, including minor scratches and dents. Wind resistance is warranted to 193 km/h (120 mph) when the roof is installed to manufacturer specification.
• 10 Year Limited Labour Warranty — given by Maritime Metal Roofing Ltd. for the installation. It covers workmanship only and excludes, among other things, hail damage, wind storms, hurricane-force winds, impact of foreign objects, lightning, fire, flood, ice damming, snow and ice shedding, and earthquake or other Acts of God.

Damage from hail, wind or falling objects is therefore generally a home insurance matter, not a warranty claim. Read both warranty documents, and how your policy treats roof damage (including cosmetic damage such as dents), before you buy. If anything here differs from the warranty documents, the warranty documents control.

6. Honest Inspections — and No Insurance Fraud

Our inspections report what is actually on your roof and nothing more. We photograph and document damage as we find it; we never create, exaggerate or stage damage; and we do not go onto your roof without your permission. If your roof does not need replacing, we will tell you so.

Knowingly inflating a claim, hiding a deductible arrangement, or billing an insurer for work that was not done is insurance fraud. We do not take part in it, and our team is expected to refuse it. If anyone presenting themselves as Maritime Metal Roofing Ltd. or as an Interlock dealer offers to cover your deductible or inflate your claim, please report it to policies@interlockgroup.com.

7. Your Cancellation Rights

If you sign a contract at your home or somewhere other than our place of business, your province's (Nova Scotia, New Brunswick or Prince Edward Island) consumer protection law gives you a cooling-off period to cancel without giving a reason. Our Cancellation & Refund Policy explains the period and how to cancel, and your contract states it. You keep every right your province's (Nova Scotia, New Brunswick or Prince Edward Island) consumer protection laws give you.

For insurance-funded work, our advice is simple: wait until your insurer has confirmed in writing what it will pay before you sign a contract that depends on that payment, and keep a copy of everything you sign.

8. Contact

For questions about this disclosure:

• Email: policies@interlockgroup.com
• Phone: 1-866-733-5811
• Company: Maritime Metal Roofing Ltd.