FAQs
Platinum Home Design
How much experience do you have?
Our team brings more than 50 years of combined industry experience to every project.Are you insured?
Yes. We maintain full licensing and insurance coverage.Why should I choose Platinum Home Design?
You'll work with a dedicated single-point project manager and certified installers who use quality materials and prioritize customer satisfaction throughout the process.How do I know if my roof has storm damage?
If your area recently experienced hail, strong winds, or severe thunderstorms, you can identify several warning signs from ground level. For your safety, do not attempt to climb onto the roof without proper equipment and training.
Watch for:
• Missing shingles
• Shingles that appear curled, lifted, cracked, or creased
• Shingle fragments scattered in your yard
• Visible roofing felt or underlayment
• Loosened flashing around chimneys, vents, and skylightsWill an insurance claim automatically raise my premiums?
No. Filing a roofing insurance claim in Maryland does not result in an automatic premium increase.
That said, submitting a claim may influence your future rates based on several considerations:
• Type of claim: Weather-related damage from hail, wind, or storms is typically evaluated differently than claims related to maintenance or preventable damage.
• Your claims history: Insurance providers review your past claims when determining risk. Filing multiple claims within several years may lead to premium adjustments or other underwriting decisions.
• Regional loss patterns: Premiums may rise across an entire area following significant storm events, affecting all homeowners regardless of individual claim activity. Maryland regulators have observed that broader rate increases can result from elevated storm losses, inflation, and rising reconstruction costs.
• Insurer policies: Each insurance company follows distinct underwriting standards, meaning claim impact varies by provider.Will you work directly with my insurance company?
Yes, we will handle communication and coordination with your insurance company.How long does a roof replacement take?
Most residential roof replacements are completed within 1 to 3 days after the crew begins installation.





