Hail or Wind Damage? Start With an Honest Roof Inspection.

A roof insurance claim starts with documenting the damage and contacting your insurer. The insurer assesses coverage and provides its estimate; your roofer supplies an inspection and repair estimate. For a covered loss, payment depends on your policy, deductible and limits. Replacement-cost coverage may pay in stages, with recoverable depreciation released after completed repairs and required documentation. Actual-cash-value coverage does not promise that second payment. Check your policy for a separate wind and hail deductible.

Step 1 — Document the damage: Record the storm date, take photos safely, and keep receipts for temporary repairs. Step 2 — Contact your insurer promptly: Check your policy and ask about notice, filing and repair deadlines. Do not assume one deadline applies to every policy. Step 3 — Arrange a roof inspection: We document the roof and prepare a repair estimate. Step 4 — Review the insurer’s estimate: Compare its Summary of Damages with the inspection. We can provide documentation of differences for you to raise with your insurer. Step 5 — Agree the work: Review coverage, your deductible and any costs you will pay before authorizing repairs. Step 6 — Complete the repairs: Keep invoices and submit the documentation your insurer requires. If your policy includes recoverable depreciation, ask your insurer what it needs to consider releasing it.

The Summary of Damages (also called Scope of Loss) is the adjuster's line-item estimate of what your insurance company will pay to repair or replace your roof. It lists materials, labor, and quantities. Actual Cash Value (ACV) is what the insurer pays first — the replacement cost of your roof minus depreciation based on its age and condition. Replacement Cost Value (RCV) is the full cost to replace at today's prices. The difference between ACV and RCV is the depreciation holdback — money the insurer withholds until repairs are completed and invoiced. Your deductible is subtracted from the total settlement. A supplement is a revised estimate submitted when additional damage is discovered during repairs that was not in the original Summary of Damages.

We inspect roofs, document damage, produce estimates, and complete the work. We tell you honestly whether damage warrants a claim. We do not file claims, negotiate with insurers, or act as your representative with the insurance company. We are not a public adjuster. Our role is the roof — inspect it, document it, estimate it, and fix it right.