Insurance claim assistance is the paperwork side of a storm damage repair: we photograph the missing shingle, the bruised shingle, the puncture in the field course, and the water intrusion staining your ceiling. Insurers pay on documentation, not on volume.
Wind damage and hail damage claims live or die on claim documentation: drone photo packages of the roofline, ITEL shingle sampling to prove a discontinued three-tab shingle, and Xactimate scope documentation the adjuster can verify.
Your deductible is yours to pay; we argue the rest. When the first estimate comes in short, we file a supplement covering depreciation and push for replacement cost over depreciated value.
Policy coverage varies, so we read the document before we promise anything. A proof of loss form and a documented claim deadline are what keep a valid claim alive.
Victorian rowhomes from the 1800s, mid-century bungalows, and post-war twin homes shed water differently, so the mitigation we document changes with the roof pitch and eave detail. On slate, clay tile, or cedar shake, we note every cracked piece before a tarp goes down.
Emergency work still gets documented. We tarp the roof, photograph the debris pile, and keep the dumpster receipt, because a reserve release on a covered loss usually depends on proof that you stopped further damage.
When your carrier sends a HAAG-certified inspector, we meet them on the rooftop with the same photos and measurements, not a sales pitch. That is how an insurance scope gets corrected instead of denied.
- Roof inspection starts at the eave, ridge, valley, and hip before we file a single page.
- Underlayment and synthetic underlayment condition decides whether we mend a repair or recommend roof replacement.
- Brittle felt, roofing felt, and tar paper mean end-of-life wear, not a patch job.
- Flashing, step flashing, counter-flashing, chimney flashing, and pipe flashing are where wind damage usually starts a leak.
- A split pipe boot or vent boot lets water wick into the roof deck and plywood sheathing.
- Ice-and-water shield is what stops meltwater an ice dam pushes up under the shingle rows.
- Gutter and downspout damage belongs in the claim, since storm damage rarely stops at the roofline.
- TPO, EPDM, and PVC membrane systems take hail differently than a built-up roof or modified bitumen.
- Dents in a metal panel, standing-seam panel, or corrugated panel are measurable hail damage, not opinion.
- Asphalt shingle, architectural shingle, three-tab shingle, wood shake, cedar shake, slate, and concrete tile each need their own documentation.
- Rot, mold, and sag in a truss, rafter, joist, or ridge beam show up months after slow water intrusion.
- Tar, pitch, asphalt, and bitumen residue under the substrate tells us how the deck was originally built.
- Roof cement, mastic, sealant, and caulk patches are the first line items an adjuster discounts.
- Fastener and screw pull-through, plus overdriven nails in the field course, is wind uplift evidence.
- We carry a roofing square, nail gun, air compressor, pry bar, and roofing shovel, plus ladder and safety harness work on scaffold where the pitch demands it.
- Soffit, fascia, dormer, and overhang trim get photographed, because fascia rot lets water reach the eave.
- Mansard, gambrel, and parapet walls fail at coping and scupper drainage before the shingle does.
- Ridge vent, soffit vent, and attic fan control deck heat; insulation and vapor barrier control condensation that mimics a leak.
- Snow guard, canopy, and awning details matter when snow slides toward a walkway.
- Coating, adhesive, and torch-down work bring a low-slope rooftop back without a full tear-off, and building code sets the floor we spec to.
