Licensed & Insured
Restore. Rebuild. Renew.
A storm claim rests on what can be shown. Your carrier assesses what is documented, so damage nobody recorded is damage the claim cannot account for. We inspect the roof, photograph and write up every finding, meet your adjuster at the property, and build the scope your carrier approves. The inspection is free.
How a claim works
Most homeowners go through a storm claim once. The carrier does thousands a month, and the adjuster who comes to your house is working through a list. That asymmetry is the whole reason claims get underpaid: not usually bad faith, just a fast process in which anything undocumented effectively did not happen.
So the most useful thing a contractor brings to a claim is a file: dated photographs, damage identified by component and location, the storm event it relates to, and a scope listing everything the repair actually requires rather than only the parts visible from the ground. That file is what your adjuster has to work from, and it is what you keep.
Inspect and document. Roof, flashing, vents, siding and gutters, photographed and written up. That includes the soft metal, because a dented vent cap is something anyone can measure, while a bruised shingle takes finding.
Meet the adjuster. At the property, on the roof, so the damage gets looked at with somebody there who can point to it.
Scope the work properly. Not just shingles. Underlayment, flashing, drip edge, ventilation, and the siding and gutters if the storm reached them.
Do the work. Once you and your carrier have agreed the scope, we build it. If something hidden turns up when the old roof comes off, it gets photographed and submitted as a supplement on the day it is found, so you see it at the same time your carrier does.
Your carrier decides what is covered. Not the contractor. A roofer can tell you what the storm did to your roof and can show an adjuster where it is, but no one can tell you what will be paid before an adjuster has been out. Treat a guaranteed outcome as a guess, whoever offers it.
Your deductible is yours to pay. It is your share of the loss under your policy, and North Carolina law prohibits a contractor from paying or rebating it to win the job. There are only two ways to cover one: inflate the claim to bury it, which is fraud on a claim filed in your name, or take that much value out of the roof where you will not see it. The North Carolina Department of Insurance warns homeowners about the offer for exactly that reason, so it is worth recognizing if it arrives at your door.
Age and wear are not covered events. A homeowners policy covers sudden damage from something like wind or hail, not a roof that has reached the end of its life. Filing on wear generally ends in a denial that stays on your record, which is why the inspection separates the two before anything is filed. If your roof is simply old, a replacement is still worth planning, just not as a claim.
The words
None of this is legal advice and your policy is the authority. It is here so the adjuster’s vocabulary is not new to you on the day they arrive.
How it runs
01
We document what the storm did before anybody files anything: photographed, dated, and tied to the event.
02
It stays your claim and your policy. You file it with the photographs and findings in hand, so you are reporting a documented loss rather than a suspicion.
03
On the roof, at your property, so the damage is looked at with somebody present who can point at it.
04
The agreed scope built, supplements documented as they are found, and the final invoice your carrier needs to release the rest.
Common questions
The questions homeowners ask us most often about storm claims. If yours is not here, call and ask.
In broad strokes: your carrier pays the covered loss minus your deductible, and on a replacement-cost policy it pays in two parts, an initial actual-cash-value check and then the withheld depreciation once the work is finished and invoiced. You pay your deductible, plus anything you choose to add that is not part of the claim, such as upgrading to a better material. Your policy is the authority on all of it, so ask your agent for the specifics of yours.
No. Your deductible is your share of the loss under your policy, and North Carolina law prohibits a contractor from paying or rebating it as an inducement. Covering it means either inflating the claim to bury it, which is fraud on a claim carrying your name, or removing that much value from the roof itself. The state Department of Insurance publishes warnings about the offer, so it is worth knowing why it is made before you hear it.
A denial is not automatically the end. Claims get denied because damage was not documented, because it was attributed to age, or because the wrong cause was recorded, and a thorough file speaks to all three. You get everything we found to take back to your carrier, and many policies also let you request a re-inspection. The outcome is your carrier’s to decide. If a second look shows the roof genuinely is not storm damaged, you will hear that from us too.
It depends on your carrier and on how many other houses in the region are claiming the same storm, so any timeline a contractor gives you is a guess. Two things you can control: getting the damage documented early, and getting the adjuster onto the roof with somebody who can point at it. Both shorten the process more than chasing does.
Read anything like it very carefully before signing, including from us. An assignment of benefits hands your claim proceeds, and often the handling of your claim, to a contractor. It is a real instrument with legitimate uses and it is also the mechanism behind a good deal of post-storm trouble. You never have to sign one to get an inspection or an estimate from this company.
No. Choosing who works on your house is your decision. Preferred-contractor programs can be convenient and some are very good, but using one is a choice rather than a condition of the claim.
Yes. We come out, go up, and tell you what is there. If the answer is that the roof is fine, or that it is worn rather than storm damaged, that is the answer you get, with the photographs and no bill.
The rest of the exterior
Tell us where the house is and which storm came through. We will document what it actually did, before anything gets filed.
Rather talk it through? (252) 544-6845
Four details and we will call you back to set a time that works.
