Roof Insurance Claim Help
Navigating an insurance claim shouldn't be stressful. We guide you through the entire process from inspection to repair completion.
How We Help With Your Claim
Insurance claims can be complicated. Adjusters use technical language, policies have fine print, and it's hard to know if you're getting a fair deal. That's where we come in.
Professional Documentation
We provide detailed inspection reports with photos that insurance companies accept.
Adjuster Meetings
We can meet with your adjuster to ensure nothing is missed during their inspection.
Supplement Claims
If hidden damage is found during repairs, we help file supplemental claims.
Fair Estimates
Our repair estimates align with industry standards that insurers recognize.
Beware of "Storm Chasers"
After storms, out-of-town contractors go door-to-door promising free repairs. Many take deposits and disappear, or do subpar work with no warranty.
- Always verify contractor licenses
- Check for local business address
- Never pay full cost upfront
- Get everything in writing
We're local. Based in Frankfort, IL with 20 years serving Chicagoland. BBB A+ rated.
The Insurance Claim Process
Here's how we guide you through a successful insurance claim from start to finish.
Free Inspection
We inspect your roof and document all damage with detailed photos and measurements.
File Your Claim
You file the claim with your insurance company. We provide all documentation needed.
Meet the Adjuster
We can meet with your insurance adjuster to ensure all damage is properly assessed.
Repair Your Roof
Once approved, we complete quality repairs covered by your insurance settlement.
What's Typically Covered?
Usually Covered
- Hail damage to shingles and roofing materials
- Wind damage from storms
- Fallen tree or debris damage
- Water damage from storm-related leaks
- Damaged gutters and downspouts
- Damaged flashing and vents
Usually Not Covered
- Normal wear and tear
- Damage from lack of maintenance
- Pre-existing damage before the storm
- Cosmetic damage that doesn't affect function
- Flood damage (requires separate policy)
- Damage from neglected repairs
Not sure if your damage is covered? We'll help you find out.
Get Free AssessmentUnderstanding Your Deductible
Your deductible is what you pay out-of-pocket before insurance covers the rest. For roofing claims, this is typically 1-2% of your home's insured value or a flat amount.
Example: On a $300,000 home with 1% deductible, you'd pay $3,000 toward repairs before insurance covers the remainder.
We Can Help With:
- Understanding your specific deductible
- Maximizing your claim payout
- Financing options for your deductible
- Payment plans that work for your budget
Frequently Asked Questions
Will filing a claim raise my insurance rates?
Storm damage claims typically don't raise rates since they're not your fault. However, multiple claims in a short period might affect rates. We recommend discussing with your agent.
What if my claim is denied?
Denials happen, but they can often be appealed. We'll help you understand why it was denied and what documentation might help overturn the decision.
How long do I have to file a claim?
Most policies require claims within 1 year of the damage occurring. However, it's best to file as soon as possible after discovering damage.
Do I have to use the insurance company's preferred contractor?
No! You have the right to choose your own contractor. We recommend getting quotes from licensed, insured contractors like us.
What's the difference between ACV and RCV coverage?
ACV (Actual Cash Value) deducts depreciation from your payout. RCV (Replacement Cost Value) pays the full cost to replace. We can help you understand your specific policy.
Let Us Help With Your Insurance Claim
Don't navigate the claims process alone. Schedule a free inspection and let our experts guide you to a fair settlement.