Roof Insurance Claims — Step-by-Step

// Step-by-Step

Six steps to a paid claim.

01 — Document before you call.  Take photos of the roof from the ground (zoom in on missing shingles, dented gutters), photos inside the attic and ceilings, and save anything that landed in your yard.

02 — Call us before your insurance.  We’ll inspect free, document hail strikes with chalk circles, and tell you whether the damage justifies the deductible. About 30% of the time we tell people NOT to file.

03 — File the claim.  Most carriers let you file online or by phone. Be specific about the date of loss — the storm date, not when you noticed.

04 — We meet your adjuster on the roof.  Joshuwa walks the roof with the adjuster, points out every strike, and makes sure nothing gets missed. Adjusters who know they’re being watched scope honestly.

05 — Review the scope.  Once the carrier sends the scope of loss and payment, we review it for missing line items (drip edge, ice & water, code upgrades, gutters). 7 out of 10 first-pass scopes are short something.

06 — We file supplements if needed.  Anything missed gets supplemented with photo evidence. The carrier almost always pays the supplement once it’s documented properly.

// Carriers, Honestly

The carriers we deal with regularly.

We’ve worked with State Farm, Allstate, USAA, Liberty Mutual, Travelers, Farmers, Nationwide, Auto-Owners, Alfa, Country Financial, ALFA Insurance, and most regional Alabama and Georgia carriers. The watch-the-video story on the homepage gets specific about which ones we love working with and which ones we have to fight every time.

(Joshuwa’s video about insurance carriers will be embedded here when we wire in the production assets.)