Licensed & Insured
Restore. Rebuild. Renew.
A storm claim is a documentation exercise. What decides it is not how bad the damage feels, it is how well the damage is recorded — and that is the part we do.
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 useful thing a contractor brings to a claim is not enthusiasm. It is a file: dated photographs, damage identified by component and location, the storm event it relates to, and a scope that lists everything the repair actually requires rather than only the parts that are obvious from the driveway.
Inspect and document. Roof, flashing, vents, siding and gutters, photographed and written up. Soft-metal evidence included, because a dented vent cap is a fact while a bruised shingle is an opinion.
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 — and if something hidden turns up when the old roof is off, it is documented then and there as a supplement rather than absorbed silently or sprung on you.
We are not your insurer, your adjuster or your lawyer. We do not decide what is covered, and anybody who promises you an outcome before an adjuster has seen the roof is selling you something.
We will not waive, absorb or “eat” your deductible. Your deductible is your share of the loss under your policy. A contractor who offers to cover it is either inflating the claim to hide it or absorbing it and taking the value out of your roof somewhere you will not see — and the first of those is insurance fraud, with your name on the claim. It is one of the most common offers made door-to-door after a named storm, and it is the clearest signal to close the door.
We will not tell you that a worn-out roof is storm damage. Age and wear are not covered events. Filing on them wastes your time, puts a denial on your record, and is not a favour.
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.
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. We give you the file to report 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.
Straight answers
Nothing here is hidden behind a dropdown. If a question you have isn't answered, 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 cheque, then the withheld depreciation once the work is finished and invoiced. You pay your deductible and anything you choose to add that is not part of the claim, such as upgrading a material. Your policy is the authority on all of it; ask your agent for specifics rather than a roofer.
No, and you should be wary of anyone who says they can. Your deductible is your share of the loss under your policy. Covering it means either inflating the claim to bury it — which is insurance fraud, filed in your name — or quietly removing that much value from your roof. It is the most common pitch made door-to-door after a named storm and the clearest reason to say no.
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 all three are things a proper file speaks to. We will give you what we found and you can take it back to your carrier; many policies also allow you to request re-inspection. What we will not do is promise you a reversal, and if a second look genuinely shows no storm damage, we will tell you that plainly.
It depends on your carrier and on how many other houses in the region are claiming the same storm, which is why we will not give you a number we cannot control. 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 yours to decide. Preferred-contractor programmes are convenient and some are good; the point is that it is a choice and not a condition.
Yes. We come out, go up, and tell you what is there. If the answer is that your roof is fine, or that it is simply old rather than storm-damaged, you get that answer and there is no bill and no claim.
The rest of the exterior
Tell us where the house is and what you're seeing. We'll document what the storm actually did, before anyone files anything.
Rather talk it through? (252) 544-6845
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