Roof Insurance Claim Assistance

File a claim with your your state insurer, they assign an adjuster who inspects damage, the adjuster writes an estimate, you either accept or negotiate the estimate, then repairs proceed. Our team handles every step — documentation, adjuster meetings, supplemental filing, and repair coordination.

If damage exceeds your deductible amount (typically $1,000–$2,500), filing a claim is almost always the right choice. Our your area inspectors provide honest assessments — if damage is below your deductible, we'll tell you upfront and recommend the most cost-effective repair approach.

Claim denials can be appealed. Common reasons for denial include filing after the deadline, pre-existing damage, or policy exclusions. Our team reviews denial letters, prepares supplemental evidence packages, and can refer you to a licensed public adjuster or insurance attorney if needed.

Most your state roof insurance claims take 2–6 weeks from filing to approval. Straightforward hail or wind claims are typically faster (2–3 weeks). Complex claims requiring supplemental filing may take 4–8 weeks. Our professional documentation accelerates the process significantly.

No. In your state, you have the legal right to choose your own contractor regardless of your insurer's preferred vendor list. We recommend choosing a contractor based on credentials, reviews, and warranty — not insurance company referrals that may prioritize cost over quality.

Insurance companies initially pay ACV (Actual Cash Value) = replacement cost minus depreciation. The depreciation holdback is released after repairs are completed. For example, if your your area roof claim is $15,000 with $4,000 depreciation, you receive $11,000 initially and $4,000 upon repair completion.

You'll receive the initial ACV payment, but the depreciation holdback is only released after repairs are completed and documented. In your state, if you have a mortgage, your lender may require repairs before releasing insurance funds held in escrow.