Storm Damage?
We Handle Your Claim
From damage assessment to insurance negotiation, we guide you through every step of the claims process to maximize your coverage.
Storm Damage We Cover
We help with all types of storm-related roof damage. Contact us for a free inspection.
Hail Damage
Hail can cause dents, cracks, and granule loss that compromise your roof's integrity.
Wind Damage
High winds can lift, tear, and remove roofing materials, exposing your building to water.
Water & Leak Damage
Storm-related leaks can cause extensive interior damage. Quick action prevents mold growth.
How We Handle Your Claim
Our proven 6-step process ensures your claim is handled professionally from start to finish.
Free Storm Damage Inspection
Our certified inspectors thoroughly assess your roof for hail, wind, and storm damage at no cost.
Detailed Documentation
We photograph and document all damage with comprehensive reports that insurance companies require.
Insurance Claim Filing
We help you file your claim correctly the first time, avoiding common mistakes that delay approval.
Adjuster Meeting Support
We meet with your insurance adjuster on-site to ensure all damage is properly identified.
Claim Negotiation
If your claim is underpaid or denied, we advocate on your behalf to get the coverage you deserve.
Quality Roof Restoration
Once approved, our expert team restores your roof to pre-storm condition with premium materials.
Your Trusted Claims Partner
Navigating insurance claims can be complex. We take the stress out of the process and advocate for the coverage you deserve.
No Upfront Costs
Free inspections and claim assistance. You only pay your deductible.
Maximize Coverage
We document everything to ensure you receive full claim value.
Adjuster Meetings
We meet with adjusters on your behalf to advocate for you.
Fast Response
24/7 emergency services to prevent further damage.
Insurance Claim Lifecycle
Understanding the complete journey of a commercial roof insurance claim — from initial documentation to final settlement.
Typical Claim Timeline
Average duration: 60-90 days from damage to final settlement
Emergency Response & Documentation
Day 1Immediately after storm damage occurs, the first critical step is securing your property and documenting all visible damage.
Key Actions
- Take 100+ photos of all damage from multiple angles
- Document date, time, and weather conditions
- Secure the property to prevent further damage
- Save any damaged materials as evidence
Never dispose of damaged materials until your claim is fully settled. Insurance adjusters may need to inspect them.
Insurance Notification
Day 1-2Contact your insurance company within 24-48 hours of discovering damage. Most policies require prompt notification.
Key Actions
- Call your insurance company's claims hotline
- Provide policy number and property details
- Describe the damage and storm event
- Request a claim number for tracking
Keep a written record of all communications with your insurance company, including names, dates, and conversation summaries.
Adjuster Assignment & Inspection
Day 3-14Your insurance company assigns an adjuster to evaluate your claim. They will schedule an on-site inspection.
Key Actions
- Schedule inspection at your earliest convenience
- Have your documentation ready for the adjuster
- Walk the property with the adjuster
- Point out all areas of damage
Consider having a roofing professional present during the adjuster's inspection to ensure all damage is properly identified.
Damage Assessment Report
Day 14-21The adjuster compiles a detailed report documenting the scope of damage, affected areas, and preliminary cost estimates.
Key Actions
- Review the adjuster's scope of damage
- Compare with your own documentation
- Note any discrepancies or missed damage
- Request clarification on unclear items
If you disagree with the assessment, you have the right to request a re-inspection or hire a public adjuster for a second opinion.
Estimate Review & Negotiation
Day 21-45Compare the insurance estimate with contractor quotes. Negotiation may be necessary to ensure adequate coverage.
Key Actions
- Obtain 2-3 detailed contractor estimates
- Compare line items with insurance estimate
- Document any pricing discrepancies
- Submit supplemental claims if needed
A reputable roofing contractor can help identify items the adjuster may have missed and provide documentation for supplemental claims.
Claim Approval & Payment
Day 45-60Once the scope and cost are agreed upon, your insurance company issues payment — typically in two installments.
Key Actions
- Review the settlement statement carefully
- Understand ACV vs. Replacement Cost Value
- Deposit initial payment promptly
- Understand depreciation recovery process
Don't start repairs until you receive written approval. The initial ACV payment accounts for depreciation, which is recoverable after repairs.
Repair Completion & Final Settlement
Day 60-90After repairs are completed, submit documentation to recover the depreciation holdback and close your claim.
Key Actions
- Complete all approved repairs
- Obtain final inspection and certificate of completion
- Submit invoices for depreciation recovery
- Verify final payment matches approved amount
Keep all receipts and documentation for at least 5 years after claim closure in case of future disputes or audits.
Comprehensive documentation is crucial. Photograph all damage from multiple angles, including close-ups and wide shots.
Nearly half of all claims experience delays due to incomplete documentation or missed deadlines.
Get multiple contractor estimates to ensure fair pricing and leverage during negotiations with your insurance company.
Need help navigating your insurance claim?
Get Expert AssistanceCommon Questions
Answers to frequently asked questions about storm damage and insurance claims.
Signs include visible dents or cracks, missing or displaced materials, granules in gutters, water stains on ceilings, and increased energy bills. We recommend a free professional inspection after any significant storm.
Storm damage claims are typically classified as "Acts of God" and generally do not affect your rates the same way at-fault claims do. Your policy exists for situations exactly like this.
Most insurance policies require claims to be filed within 1-2 years of the damage occurring. However, we strongly recommend filing as soon as possible.
Don't accept a denial as final. We can help you understand why the claim was denied and assist with the appeals process. Many initially denied claims are approved on appeal.
In most cases, you only pay your insurance deductible. We work directly with your insurance company and wait for claim approval before beginning work.
Yes. We have experience working with all major insurance carriers and understand each company's specific requirements and processes.
Is Your Roof Storm Ready?
Hurricane season starts June 1st. Don't wait until it's too late to protect your business.
Don't Wait to File Your Claim
Storm damage can worsen over time. Get a free inspection today and let us help you navigate the insurance process.