How to file a roof insurance claim.

The process

Step by step — and where we step in

1. 01

   The inspection & the honest recommendation

   We assess the roof, identify legitimate storm damage, and tell you whether filing a claim makes sense. No pressure either way.

   

2. 02

   Filing the claim — together, in person

   When it makes sense to file, we recommend filing with our guidance — and it's our standard to be there with you when you do. Why in person? Because we want to make sure your claim gets a real, in-person adjuster inspection — someone who actually gets up on the roof. A drone flyover alone isn't enough to make a fair coverage decision, and we push for a proper look.

3. 03

   The adjuster meeting — we don't leave you (or the adjuster) alone up there

   When the insurance adjuster comes out, we meet them on the roof and walk them through our findings. We don't leave the adjuster up there to evaluate it alone. We're there to make sure the damage is seen, documented, and fairly evaluated — so nothing legitimate gets missed or waved off.

4. 04

   The first letter — where the process really begins

   This is the step that trips up almost everyone. The first letter from the insurance company often looks like a denial, or comes back "under your deductible." Most homeowners read that and quit — and that’s the mistake. But if the insurer has acknowledged storm damage at all, that’s our green light — because now it’s about documenting the legitimate storm damage that’s there, so the full, fair scope of repair or replacement is on the record. Insurance is naturally conservative; the first number is rarely the real number.

5. 05

   Approval — still not the finish line

   Even after approval, insurers tend to underpay. They'll leave line items out of the estimate — things genuinely required to do the job right. That's not your problem to catch. It's ours.

6. 06

   Supplementing what’s owed

   After the work is done, we document and submit a supplement for the legitimate items the initial estimate left out — things like starter strip, valley metal, non-nailable decking, and painting of rooftop accessories. These are standard parts of a real roof replacement that insurers routinely omit, and we go back and claim them properly.

   

7. 07

   The net claim, the deductible & recoverable depreciation

   Once approved, the insurer issues the net claim — the total replacement cost minus depreciation minus your deductible. When materials are delivered, we collect the deductible from you. On completion, we submit our certificate of completion and final supplemented estimate along with the deductible payment — and that’s what triggers the insurer to release the recoverable depreciation (the rest of what’s owed).

We can't promise an outcome — coverage decisions are the insurer's. What we promise is the work: a thorough inspection, complete documentation, our presence at the adjuster meeting, and a proper supplement for what's owed.