Insurance Claim Support

Insurance Claims — We Fight for Your Full Settlement

Most homeowners leave thousands on the table because they don't know what their policy covers. We document every dollar of damage, attend the adjuster inspection, and make sure you get every dollar you're entitled to.

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What's Covered

What Triggers a Roof Insurance Claim

Act of God — Act-of-God Classifications

Hail, wind, tornado, hurricane, and falling objects (trees, branches) are typically classified as "covered perils" — meaning your insurer pays for repair or replacement minus your deductible.

Hail Damage

One of the most common covered claims. Hail dents, granule loss, and impact damage to shingles, vents, and gutters are fully covered under standard policies.

Wind Damage

Shingles ripped off by straight-line winds or gusts from storms. Wind claims often trigger full roof replacement if the damage is widespread.

Falling Debris

Trees, limbs, or other objects that fall on your roof are covered — including structural damage to the deck and framing, not just the shingles.

Vandalism & Malicious Mischief

If your roof is intentionally damaged, vandalism is a covered peril in most policies. Document and report immediately.

Weight of Snow / Ice

In some states, collapse or damage from snow and ice accumulation is covered. Ice damming that causes water intrusion is also a covered claim in most northern-state policies.

Why Professional Support

Why Homeowners Who Use Us Get Higher Settlements

We Use Xactimate — Industry Standard

Insurance adjusters use Xactimate pricing software. We do too. Our estimates are line-itemized with the same codes your carrier uses — so there's no gap between what we quote and what they approve.

We Attend the Adjuster Inspection

You're not a roofing expert — and the adjuster knows it. We show up with our own documentation and walk the roof with the carrier's adjuster — pointing out every damaged section they might miss.

We Challenge Lowball Estimates

Insurers sometimes approve only what's visible from the street. We document interior damage, decking issues, and code upgrades — then file supplemental claims to close the gap.

No Cost to You — Ever

Our claim support is included in our service. If your insurer covers the roof, our fee comes out of the claim settlement. If the claim doesn't get paid, we don't get paid. Simple.

The Claim Process

4 Steps to Your Full Settlement

Free Damage Assessment

We inspect your roof, document all damage with photos and measurements, and give you a written estimate — usually within 24 hours of your call.

Claim Filed

We help you file the claim with your insurer and provide our full damage documentation to support the initial estimate.

Adjuster Meeting

We attend the carrier adjuster's inspection, present our documentation, and negotiate scope — ensuring nothing gets overlooked.

Settlement & Repair

Once the settlement is approved, we complete the work. If the initial offer is too low, we file supplemental claims to get you every dollar you're owed.

Common Questions

Insurance Claims FAQ

In most states, insurers cannot increase your premium simply because you filed a claim for a weather-related event. This varies by state — some states have "claim-free discounts" that can be impacted if you file multiple claims. Check your policy or ask your agent for specifics.

If your claim is denied or underpaid, we can help you contest it. We provide supplemental documentation, request re-inspections, and can recommend a public adjuster if the dispute requires formal appraisal.

Standard deductibles range from $500 to $2,500. Some policies have percentage-based deductibles for hurricane or wind events. Your deductible is the only out-of-pocket cost to you in most covered scenarios — we absorb our fee from the settlement.

File now. Most policies have a 12-month window from the storm event to file. If the roof is already damaged, delaying doesn't improve your position — and a future storm could complicate the claim by mixing damage dates. File now; you can always supplement later.

Don't Settle for Less Than You Deserve.

Free damage assessment. No upfront cost. We only get paid if your claim is approved — and we fight for the full amount.

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