Recommended enhancement · Insurance claims
We climb. We document. We meet the adjuster.
Free claim review, scope documentation, and adjuster meet-on-roof — so your claim reflects the actual damage.
- Free claim review
- Drone documentation
- We meet your adjuster
- Plain-English explanation
Important: Insurance language disclaimer. We help document and explain — final claim outcomes are determined by your carrier.
What homeowners feel
Where folks are when they call us.
A roof claim is rarely the homeowner's first time dealing with their carrier on something this size. Most calls land in one of four buckets.
Not sure if there is a claim
Storm hit and you do not know if there is enough damage to justify filing. A free roof check tells you.
Adjuster scope feels low
Items look missed. Code upgrades, decking, drip edge, ridge vent — common misses we can document.
You do not want to navigate alone
Carrier portals, depreciation, supplements — we have walked them many times before.
Carrier needs documentation
Photos, drone imagery, a scope written for review — what most homeowners do not have time to produce.
Our claim process
Six steps. Plain English.
A roof claim runs the same way every time. Here is what to expect from the day you call us to the day we hand you the warranty packet.
- 1
Document
We meet you on site. Roof walk, drone photos, attic check, moisture map. Date-stamped evidence.
- 2
File
If you haven't filed yet, we walk you through calling your carrier. You always file the claim — never us.
- 3
Adjuster meet
We're on the roof with the adjuster pointing out what they can't see from the ladder. Photos shared on the spot.
- 4
Scope
We review the carrier's scope line by line. If items are missing, we submit a supplement with photo evidence.
- 5
Repair
Materials matched, deck replaced where needed, system installed to manufacturer spec. Photos throughout.
- 6
Final inspection
Punch list walk. Warranty packet handed over. Final invoice and carrier documentation closed out.
Deductible & out-of-pocket
What you'll actually pay.
Your out-of-pocket on a covered roof claim is almost always your deductible. That number is on your declarations page. Hurricane and wind deductibles in Baldwin and Mobile counties are often 1–5% of the dwelling coverage, not a flat dollar amount.
A note on deductible "rebates." Some contractors offer to waive or absorb your deductible. In Alabama that arrangement can put your claim at risk and is restricted by state law. We don't do it. We'll always charge what the carrier scoped and collect your deductible.
ACV vs. RCV
Two words that change your check.
ACV — Actual Cash Value
The depreciated value of the roof. If your 18-year-old roof gets hailed out and your policy is ACV, the carrier pays the value of an 18-year-old roof, not a new one.
RCV — Replacement Cost Value
The cost to replace with new materials. You get an initial check for the depreciated value, and the carrier releases the remainder — "recoverable depreciation" — once the work is complete.
Carriers we've worked with
We speak their format.
State Farm / Allstate / USAA / Farm Bureau / Travelers / Liberty Mutual / Nationwide
Carriers we have worked with
State Farm
Homeowner
Allstate
Homeowner
Farmers
Homeowner
Liberty Mutual
Homeowner
Travelers
Homeowner
USAA
Homeowner
Nationwide
Homeowner
Progressive
Homeowner
Carrier logos shown for reference only. We do not represent any insurer.
We are not affiliated with, endorsed by, or paid by any insurance carrier. We are your contractor.
Photo proof
Claims we've restored on the Gulf Coast.
Common questions
Questions about insurance claims
- No. The claim review is free, whether or not you end up filing.
- No, and we do not act as one. We document the roof and meet your adjuster — the claim itself is between you and the carrier.
- Yes. A filed-and-denied claim hurts your record. If the damage is not there, we will say so.
- We invoice you, you receive carrier payments, and you pay us per the scope. We will walk through the paperwork.
- We review the denial. If the denial is wrong, we request a reinspection with our documentation in hand.
- Yes. We explain ACV, RCV, depreciation, and recoverable depreciation in plain English.
- We have worked with most Gulf Coast carriers.
- That is a carrier and policy question — we do not predict premium changes. Ask your agent before filing.
Free claim review
Start your claim review.
Tell us where you are in the process and we'll meet you there. No fee for the review.
Related services
What pairs with claim work.
Storm Damage
[Recommended enhancement] Gulf Coast wind and hail damage response — tarping, documentation, and full restoration.
Learn moreEmergency Leak Repair
Fast tarping and leak stabilization for active leaks across Baldwin and Mobile counties.
Learn moreRoof Replacement
Full tear-off and re-roof with Gulf Coast wind-rated systems and clean job-site practice.
Learn moreWhere we work
Serving the Alabama Gulf Coast.
Stapleton, Bay Minette, Loxley, Robertsdale, Foley, Daphne, Spanish Fort, Fairhope, Gulf Shores, Orange Beach, Mobile