Roof Insurance Claims Help
A storm claim is paperwork stacked on bad luck. We handle the claim with you, so you're never running it alone: real documentation, a contractor on the roof with your adjuster, and a scope that stands up to review.
How we help with the claim
The insurance company has a process, and homeowners who walk into it alone tend to get the short version of it. Our job is to make sure the damage is fully documented before the claim is filed, that someone who builds roofs is standing next to the adjuster at the inspection, and that the estimate you're offered actually covers the roof you lost.
Ohio policies give you a limited window to file after a storm, often one year from the date of loss, and the details vary by policy. More carriers are also writing roofs at actual cash value instead of replacement cost, which changes what a check looks like. We read what your policy says with you and explain the difference in plain words before you commit to anything.
One more thing to know: Ohio insurance rules include a matching provision, which can matter when only part of a roof is damaged but the materials no longer match. We document those situations carefully because they change the scope of what should be covered.
Step by step
The claim, step by step
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Document the damage
UsWe inspect the roof, photograph everything, and write a repair scope with real numbers before anyone calls the insurance company.
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File the claim
YouYou open the claim with your carrier. We hand you the documentation and stay a phone call away while you do.
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Meet the adjuster
UsWe're on the roof with your adjuster at the inspection, walking the same damage we documented, so nothing gets missed.
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Review the estimate
Your insurerYour insurer issues its estimate and first payment. We compare it line by line against our scope and flag anything that fell short.
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Build the roof
UsWe do the work to the approved scope, handle any supplement requests the job uncovers, and back it with our 10-year labor warranty.
Good to know
Frequently asked questions
Do I have to pay my deductible?
Yes. Ohio law is clear on this, and any contractor who offers to eat or hide a deductible is committing insurance fraud. We put honest numbers on paper instead.
What if my claim gets denied?
A denial is not always the end. We review the denial letter against our documentation, and where the facts support it we help you request a re-inspection with better evidence.
Will filing a roof claim raise my rates?
Weather claims are treated differently than at-fault claims, but rates are set by carriers and markets, not by us. We give you a documented scope so you can decide whether the claim is worth filing.
Should I be there when the adjuster comes?
You're welcome to be, but the important part is that we are. We walk the roof with the adjuster, point to the documented damage, and speak the same technical language.
Get started
Get a free quote for your roof.
If a storm hit your roof, get it documented before you file anything. The inspection is free, the photos are yours, and you decide what happens next.
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