Storm Damage Insurance Claims, Handled Start to Finish
Most roofing companies will happily replace a roof that insurance has already approved. Far fewer will do the work of getting it approved, and that work is where homeowners lose the most money.
What We Actually Do on a Claim
We are not public adjusters and we do not negotiate on your behalf as your legal representative. What we do is the contractor side of the process, thoroughly.
- Inspect and document damage to carrier-standard evidence — test squares, strike counts, photographs, weather verification
- Give you an honest read on whether the damage will meet the threshold, before you file
- Meet the adjuster at your home and walk the roof with them
- Produce a line-item estimate in the same software carriers use, so the two documents can be compared directly
- File supplements when the carrier’s scope misses required work
- Handle code-upgrade items that carriers frequently omit
- Carry it through to the depreciation release after the work is complete
The Part Almost Nobody Explains
On a replacement-cost policy, your carrier does not send one cheque. They send two.
The first is actual cash value — the cost to replace, minus your deductible, minus depreciation for the age of the roof. On a fifteen-year-old roof, depreciation can be a very large number, and that first cheque often looks alarmingly small relative to what the work costs.
The second cheque is the recoverable depreciation, and it is released after the work is completed and documented. It is yours. You have already paid for it in premiums.
A significant number of homeowners take the first cheque, do a cheap partial repair, and never claim the second. That is money left with the carrier, and it is one of the most common and expensive mistakes in this entire process.
Where Claims Go Wrong
The pattern is consistent. Damage gets under-documented, so the adjuster scopes a repair instead of a replacement. Nobody attends the adjuster inspection, so the slopes that took the worst of the storm never get tested. The carrier’s estimate omits code-required items like ice-and-water shield or drip edge, and nobody files a supplement to add them. Or the claim gets denied as wear and tear and the homeowner accepts it without asking for a reinspection.
Every one of those is preventable, and each has its own page in this section.
The Whole Process, Page by Page
- The claim process — the full timeline, step by step
- The adjuster meeting — what happens and why we attend
- Denied claims — why they happen and what to do
- Supplements — getting the claim paid in full
- ACV vs RCV — what your policy actually pays
- Deductibles — flat versus percentage, and financing
- Mortgage company on the cheque — why, and how to release it
- Code upgrade coverage — what Ohio code adds to the cost
One Thing We Will Never Do
We will not waive, absorb, discount, or otherwise cover your deductible, and neither will any contractor operating legally in Ohio.
It is insurance fraud. It exposes the contractor to prosecution and it exposes you as a participant. When someone offers it, they are telling you they are willing to commit fraud to win your job — which is worth considering carefully before letting them on your roof.
Project Build Videos
Every clip is one of our own builds — same crews that would be on your roof.
Tartan Builders In Action
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Finished WorkLive Build — Roof Replacement
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Crew At WorkStorm Damage Claims We Have Won
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What Ohio Homeowners Say
Common Questions
No. The claim is paid by your carrier at their approved scope either way. What changes is how complete that scope ends up being.
No. Public adjusters are licensed to negotiate claims on your behalf for a fee. We are the contractor — we document, produce estimates, attend inspections, and file supplements for work within our scope.
Denials are frequently reversible, most often through reinspection with better documentation. Our denied claim page walks through the options.
From inspection to final depreciation release, typically four to ten weeks. Carrier responsiveness and weather are the main variables.
Related Pages
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