Homeowner FAQ

If your claim is denied, nothing. If you build with an Approved Contractor, you pay your deductible plus only the upgrades, added work and non-recoverable depreciation you approve in writing. By law no one may pay, waive or rebate your deductible (page 1; Terms §§7–9; Exhibit C). You owe more only if, after your cancellation periods, approved work is not built by an Approved Contractor or can't go forward because of your uncured breach (§§15, 17), an outside contractor builds from our scope (§16), or under Overwatch (§29(e)).

You owe nothing to SkyView or the contractor (Terms §10). Emergency repairs, if any, are paid only from insurance money, never from your pocket. If a denial is reversed and paid within 12 months, the agreement applies again to the paid work, and you may cancel within 5 business days after the new decision.

Payments follow your Payment Schedule, and nothing is due for the build until materials are delivered to your home; you get a lien waiver with each payment. Checks go to the contractor, your mortgage company or, if you choose, an escrow agent (Form R8): a neutral, licensed company that holds the money in a separate account and pays the contractor only as work is done, with proof, at no cost to you. SkyView Restoration Group never receives, holds or endorses your insurance checks, and claim money left after the work is paid belongs to you (Payment Schedule; Terms §11; Form R8).

You have two rights: 10 business days after signing, and 5 business days after a written carrier denial of any part of the claim. Sign the matching Notice you were given, or send any written notice, by email to Info@SkyViewRestore.com or by mail. You owe nothing, and any payment is refunded within 10 business days. No construction starts and no materials are ordered until those periods end. Cancelling also ends Overwatch at no charge (Terms §§12, 29(h)).

Your licensed, insured Approved Contractor is named on page 1; SkyView signs as its agent, and its license or registration numbers are on its website and available from us. If it must be replaced, you may object for reasonable cause (Terms §§1, 13). Want your own contractor? Tell us who it is before they start; we will offer them Approved Contractor status on our standard terms if they are licensed and insured. When they join, your deductible is still your maximum obligation and no Cancellation Charge applies (Terms §14).

It applies only if your claim is approved and, after both cancellation periods end, an approved item is not built by an Approved Contractor. It pays only for the documented services we actually completed (inspection, testing, reports, the repair scope) at Exhibit A rates. It is not a penalty or a percentage of your claim, and it can never exceed 20% of the approved replacement cost value (RCV) of the cancelled items (§15). No charge is owed if your claim is denied, you cancel within your cancellation periods, you have reasonable cause to object to two proposed contractors, or the contractor defaults (§§10, 12, 13, 15, 18).

Payment 1 is due only when materials are at your home, and you get a lien waiver with each payment. If the contractor doesn't start on time or doesn't fix a default after your written notice, you may end the work with no charge or get another Approved Contractor at the same price, and any overpayment is refunded (Terms §18; Payment Schedule).

The Approved Contractor pays SkyView's fees out of its own price. You pay SkyView only a Cancellation Charge or SkyView Project Fee if one applies (§§15– 16), any Overwatch amount under §29(e), tarping or repairs SkyView arranges (from claim funds only), and optional services you separately buy (Terms §32).

No. SkyView and the contractor do not negotiate, adjust or settle your claim, interpret your policy or give legal advice (Terms §2). Our contact with your carrier is limited to the physical damage and the scope, methods and cost of the repairs. You control your claim, and you may hire a licensed public adjuster or attorney at any time.

Emergency work is paid first from insurance money, never from your deductible or your own funds, even if the carrier does not approve it; it does reduce any claim money you would otherwise keep. In the first 3 business days it happens only if you contacted us after signing, the home faces immediate damage or danger, and you sign a waiver in your own handwriting (Form R6-W). On days 4–10 it happens only under a separate emergency work order you sign. We tell you before any job over $2,500 (or within 1 business day if waiting would cause more damage), and you may object if the price clearly exceeds the usual local price (Terms §§4, 5).

Before materials are ordered, the contractor tells you the amount on Form R1. You may pay it and build, or remove those items. The Cancellation Charge then applies only to the removed items and never exceeds the claim money paid for them (Terms §§9, 15(c)).

Overwatch is our storm monitoring for your property: hail and wind alerts, post-storm and yearly inspections with photos, a roof condition report and an online portal. Its published fee is $199 per home per year. We waive it in two-year terms in exchange for storm-claim exclusivity. It renews every two years at no charge unless you opt out: 30 to 60 days before each renewal we email you (and text, unless you stopped texts) the date with a one-click "No thanks." It never becomes a paid plan or charges you automatically (Terms §29; Overwatch Terms at RoofOverwatch.com/terms).

No. You alone decide whether to file. It covers only new storms after you sign, never this claim. If you choose to pursue a claim for a new storm during the term, you let SkyView inspect first, at no charge, before any other contractor, consultant or public adjuster, and SkyView manages that claim with an Approved Contractor under a new page 1 with all of your cancellation rights. SkyView inspects within 5 business days of your request (2 if there is an active leak), or the inspect-first rule doesn't apply. It does not delay notice to your carrier, the carrier's inspection or emergency repairs, and it is not a payment or reward for filing a claim (Terms §29(b)–(d)).

You owe something only if you pursue a new-storm claim elsewhere without letting SkyView inspect first, or use SkyView's post-storm report without signing. Then you owe the waived fee for the time you had Overwatch (prorated by month) plus our residential published rates for post-storm work we did, capped at 20% of that claim's approved replacement cost, and nothing if the claim is denied. Example: 10 months, one home, no post-storm work by SkyView: about $166. If SkyView inspects first and you decide not to sign or use our report, you owe nothing. You may end Overwatch at any time online, by email, by phone, in writing or by clicking "No thanks"; this still applies to a storm before your notice, for claims made within 12 months after that storm. Replying STOP ends texts only (Terms §29(e)–(f)).

The full Terms, Exhibits A and C, the Payment Schedule and the Overwatch Terms are posted at SkyViewRestore.com/terms and RoofOverwatch.com/terms to read before signing; the version and rates in effect on your signing date apply. You receive a completed copy and the Notices at signing, on paper or by email or text with your consent, and paper copies are free on request (page 1; Terms §23).

We email you a Service Completed Notice the day each service is finished, a Travel Record for any long-distance trip, and a monthly Record of Services Completed; each says "No payment is due." Photos, videos and reports are in your online portal. If anything listed was not done, or you disagree with any invoice, tell us in writing within 10 business days. Undisputed amounts stay due on the invoice due date; disputed amounts are resolved under Terms §24 (Terms §15(b)–(c)).

SkyView, the contractor and their providers may call, email and text you, including automated texts, about your project, claim status, payments, storm alerts and Overwatch. Decline storm-alert texts at signing, or reply STOP anytime (required notices still come by email or mail) or HELP for help; message and data rates may apply. No promotional automated texts without your separate written consent (Terms §23).

SkyView keeps project photos, videos, reports and claim documents to document, scope and manage your project. We share them with the contractor and the project's engineers and testing firms, and with your carrier, public adjuster or attorney. Everything is in your portal to download. Marketing use never shows your name or street address without written consent (Terms §22).

SkyView may assign this agreement, Overwatch and its fee rights, and transfer your contact and project records, to a buyer of SkyView or its Overwatch business. The buyer must honor these Terms, so your price, caps and cancellation rights stay the same (Terms §29(g)).

Call us first: we want to fix it. Unresolved disputes go to consumer arbitration in your county, where you pay only the consumer filing fee, or you may use small claims court (Terms §24).