1

Inspection & documentation

Our first job is to prove storm damage exists. This includes:

• Inspecting roof, siding, gutters, windows, vents, flashing, soft metals
• Identifying wind damage, hail hits, creased shingles, lifted tabs
• Taking clear photos, videos, and measurements
• Checking date of loss and storm reports
• Determining if damage is repairable or replacement-level

Goal: Decide if it’s worth filing a claim before you risk one.

2

Educate the homeowner

Before any claim is filed, we explain:

• What their deductible is
• What insurance typically covers (storm damage only)
• What it does not cover (wear, bad installs, old rot)
• That they choose the contractor, not insurance

A good contractor sets expectations early so there are no surprises later.

3

Assist with filing the claim

We don’t file the claim for the homeowner, but we guide them:

• What to say (date of storm, type of damage)
• What not to say (opinions or assumptions)
• Make sure the claim is filed correctly

Once filed, we track the claim number and adjuster assignment.

4

Meet the adjuster on site

This is one of the most important steps.

What we do:

• Walk the property with the adjuster
• Point out damage they may miss
• Explain why damage requires replacement vs repair
• Reference manufacturer guidelines and local code

Why it matters:

Adjusters don’t always climb roofs or inspect everything thoroughly. If we’re not there, items often get overlooked.

5

Review the insurance scope
& estimate

After inspection, insurance sends an estimate.

We:

• Review line by line
• Compare it to real-world labor and material needs
• Look for missing items (starter, ridge cap, drip edge, flashing, ice & water, code upgrades)

If it’s short, we prepare a supplement.

6

Submit supplements & negotiate

This is where experienced contractors earn their keep.

We submit:

• Photos
• Updated measurements
• Code documentation
• Manufacturer specs
• Pricing corrections

Then:

• Negotiate professionally with the adjuster
• Revise scope until it reflects proper repairs

This is normal and expected – not arguing, just clarifying.