Every Question You Have
About Roof Insurance.

In most cases, yes — if the damage was caused by a covered peril like wind, hail, falling trees, or other storms. Damage from normal wear and age is typically not covered. The best way to know is to let us do a free inspection first, then determine if a claim makes sense.

After our free inspection, we help you contact your insurer to open a claim. They'll send an adjuster to assess the damage. We attend that meeting with you, walk the roof together, and make sure everything is documented properly. Once approved, we complete the work using the insurance funds.

Usually just your deductible — sometimes nothing at all. Once your claim is approved, the insurance company pays us directly for the approved scope of work. You simply pay your deductible as outlined in your policy.

This happens more often than you'd think — adjusters move quickly. That's exactly why we're there in person. If we find additional damage after the initial assessment, we can file a supplement to your claim. We do this regularly and successfully.

It depends on your insurer, your policy, and your claims history. We recommend asking your agent directly. In many cases, especially for storm damage, a single claim does not significantly impact your premium — and not repairing the damage will cost far more in the long run.

Denials happen, but they're not always final. We can help you request a re-inspection, provide additional documentation, or connect you with a public adjuster if needed. We've helped homeowners successfully dispute denied claims.

From inspection to completed roof, most insurance claims take 2–6 weeks depending on your insurer's timeline. We push to keep things moving and keep you updated throughout the entire process.

No — your insurance company determines the scope and value based on their adjuster's assessment. You're free to choose any licensed contractor. We work directly with the insurance settlement figures.