How It Really Works
Most homeowners have never filed a roof claim before. Here is exactly what happens and where we step in at every stage.
clear claim stages
call from the homeowner
Claim Desk
The adjuster visit, the report, the supplement, and the installation all need someone watching the details.
A storm, high winds, or hail hits your home. The damage may not be obvious from the ground. Lifted shingles, granule loss, and cracked underlayment are easy to miss with an untrained eye.
Most homeowners do not realize they have a valid claim for months or even years after it happens.
We come to your home at no cost and inspect the roof from top to bottom. We use high tech software and real in person measurements to document every point of damage accurately.
This is the documentation that separates a full approval from a partial one.
How a claim is filed on day one has a major impact on what gets approved.
Having someone in your corner during the adjuster visit often changes the outcome significantly.
You deserve what you are owed, not what is easiest for the insurer to pay.
From first inspection to finished roof, the whole process is on us.
I have been on hundreds of roofs. The ones that concern me most are not the ones with obvious missing shingles. It is the ones that look completely fine from the street.
After a windstorm your roof might look completely normal from the ground. No missing shingles, no visible gaps. So most homeowners assume they are fine and move on. That is exactly the problem.
Wind damage is sneaky. It lifts shingles just enough to break the seal but not enough to blow them off. It loosens flashing. It creates small cracks in the underlayment that will not show up as a leak for months or sometimes years. By the time you notice a water stain on your ceiling you are looking at a much bigger problem than a simple roofing claim.
Here is what I tell every homeowner. Your insurance policy covers wind damage and that coverage has a time limit on it. Most policies require you to report damage within a certain window and once that window closes you lose the right to file. The storm happened. The damage is real. But if you do not act you absorb the cost yourself.
Getting checked after a significant wind event is not about being paranoid. It is about protecting an investment you have already made. A 30 minute inspection could be the difference between a full roof replacement covered by your insurance company and a five figure bill out of your own pocket. There is no good reason to wait.
