Your Roof Took the Hit. Your Carrier Should Pay for It.
Carriers underpay roof claims more than any other. We know roofing systems inside and out — and we prove what the repair actually costs.
About This Service
Understanding Roof Damage Claims
Roof damage claims get disputed constantly. Carriers argue cosmetic vs. functional damage, remaining useful life, pre-existing conditions, and repair vs. replacement thresholds. Most adjusters spend minutes on a roof. We spend hours — documenting every damaged component, measuring affected areas, and citing the manufacturer specs and building codes that dictate how the repair must be done.
Our Approach
How We Handle This Differently
Our team comes from the construction side. We've installed roofs, repaired roofs, and inspected roofs. We know the difference between wind creasing, hail bruising, blistering, and manufacturing defects. We know when a roof can be repaired and when code requires replacement. And we write Xactimate estimates that reflect real repair costs — not the carrier's discounted pricing.
Carrier Tactics
When Your Carrier Pushes Back
"The roof has remaining useful life"
We document the specific damage that compromises weatherproofing integrity regardless of roof age, citing manufacturer specs that define when damaged materials must be replaced.
"That's cosmetic, not functional"
We reference manufacturer warranty requirements and IRC sections that define when cosmetic damage affects material performance and requires replacement.
"We'll only pay for a repair, not replacement"
We document the full extent of damage and cite code requirements. When damage exceeds repair thresholds per manufacturer guidelines, replacement is the only code-compliant option.
Common Questions
Frequently Asked Questions
How do I know if my roof damage warrants an insurance claim?
If your roof was damaged by a storm, fallen tree, or other sudden event, it's likely covered. Signs include missing or lifted shingles, dents in metal components, cracked tiles, or visible leaks. We offer free inspections to assess whether a claim is worth pursuing.
The carrier says my roof just needs a patch repair. Is that right?
Sometimes, but carriers default to the cheapest option. If the damage exceeds manufacturer repair thresholds, or if a patch can't restore the roof to code compliance, full replacement may be required. We inspect and cite the specific standards that apply.
What roofing materials do you handle claims for?
All of them — architectural shingles, three-tab, metal standing seam, metal panels, clay and concrete tile, slate, flat membrane (TPO, EPDM, modified bitumen), and cedar shake. Each material has different damage indicators and manufacturer replacement criteria.
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