Roof Insurance Claims Assistance in Richmond, VA
We fight for fair insurance settlements. Work with Richmond's most trusted insurance claim experts—get what you deserve.
How We Help Homeowners with Insurance Claims
Insurance companies have experts working for them. Shouldn't you? We level the playing field.
Professional Damage Documentation
We photograph, measure, and document every bit of damage according to insurance industry standards. Proper documentation is the foundation of a successful claim.
Meet with Adjusters On-Site
We meet with your insurance adjuster on your roof, pointing out all damage they might miss. Having a roofing expert present often doubles claim amounts.
Detailed Estimates
We provide comprehensive, line-item estimates that meet insurance requirements. Our estimates include materials, labor, and all necessary work.
Fight for Full Coverage
Insurance companies often underestimate damage or deny legitimate claims. We advocate for you, ensuring all covered damage is included.
Handle the Paperwork
Insurance claims involve extensive paperwork and documentation. We handle the technical roofing documentation so you can focus on other priorities.
No Upfront Costs
Insurance inspections and documentation are free. You only pay for repairs after your claim is approved—and we work with your insurance proceeds.
Our Insurance Claim Process
Free Damage Inspection
We conduct a thorough inspection of your roof to identify all storm damage, age-related issues, and potential problems. We document everything with photos and measurements. This inspection is completely free with no obligation.
Honest Assessment
We tell you frankly whether you have a valid insurance claim. If damage is from normal wear-and-tear (not covered), we'll let you know. If you have legitimate storm damage, we'll help you file.
File Your Claim
You contact your insurance company to file a claim. We provide you with detailed documentation to support your claim, including photos, measurements, and our professional assessment.
Adjuster Meeting
We meet with the insurance adjuster on-site when they inspect your roof. We walk them through all damage, ensuring nothing is missed. Having an expert present often results in significantly higher claim approvals.
Review Settlement Offer
Once the insurance company makes an offer, we review it with you. If the settlement is fair, great! If it's insufficient, we document why and help you request a supplement.
Negotiate Supplements
Many initial offers are too low. We provide additional documentation for items the adjuster missed or undervalued. Most supplements are approved, increasing your settlement.
Complete Repairs
Once your claim is approved, we complete professional repairs using your insurance proceeds. We work with you on the deductible and ensure all covered work is completed properly.
Final Inspection & Warranty
We inspect our completed work, ensure everything meets code, and provide you with warranty documentation. Many insurance companies require final photos—we handle that too.
5 Costly Insurance Claim Mistakes to Avoid
These common mistakes can cost you thousands. Here's how to avoid them:
Hiring a Roofer Before Filing Your Claim
Why it's costly: Many homeowners hire a roofer who completes repairs before the insurance adjuster inspects the damage. Once repairs are done, there's no evidence for the insurance company to assess.
✓ Better approach: Always have your roof inspected and photographed BEFORE any repairs (except emergency tarping). We document everything, then meet with the adjuster.
Not Having an Expert Present During Adjuster Visit
Why it's costly: Insurance adjusters work for the insurance company, not you. They're trained to minimize claim amounts. Without a roofing expert present, damage is often overlooked or undervalued.
✓ Better approach: We meet with adjusters on-site. When we point out damage they might miss, claim settlements often double. It's the single most impactful thing you can do.
Accepting the First Settlement Offer
Why it's costly: Initial insurance offers are often intentionally low, hoping you'll accept without question. Many items are "overlooked" or underestimated.
✓ Better approach: We review every settlement line-by-line. If items are missed or undervalued, we document and submit supplements. Most supplements are approved.
Poor or Incomplete Documentation
Why it's costly: Insurance companies require specific types of documentation. Missing photos, inadequate measurements, or unprofessional estimates result in claim denials.
✓ Better approach: We provide insurance-compliant documentation: detailed photos, precise measurements, professional estimates. We speak their language.
Using a Storm Chaser or Unlicensed Contractor
Why it's costly: "Storm chasers" disappear after storms, do shoddy work, or use high-pressure tactics. If problems arise later, they're long gone. Unlicensed contractors void insurance coverage.
✓ Better approach: Work with a local, licensed, insured company with a proven track record. We've been serving Richmond since 2008 and we'll be here for warranty work.
Types of Roof Damage Typically Covered by Insurance
Usually Covered ✓
- •Storm Damage: Wind damage, hail damage, tornado damage
- •Fallen Trees: Trees or large branches that fall on your roof
- •Fire Damage: Direct fire damage or damage from fighting fires
- •Sudden Accidents: Impact from vehicles, aircraft, or falling objects
- •Vandalism: Intentional damage to your roof
- •Ice Dams: Damage from ice buildup (in some policies)
Typically NOT Covered ✗
- •Normal Wear & Tear: Aging, gradual deterioration
- •Poor Maintenance: Damage from lack of upkeep
- •Pre-existing Damage: Problems that existed before your policy
- •Improper Installation: Defects from poor workmanship
- •Cosmetic Damage: Issues that don't affect function
- •Earthquakes/Floods: Require separate policies
Not sure if your damage is covered? We'll give you an honest assessment during our free inspection.
Why Richmond Homeowners Trust Us with Insurance Claims
We Work with ALL Insurance Companies
State Farm, Allstate, Nationwide, Liberty Mutual, Farmers, USAA—we've worked with every major insurance company and know exactly what they require for claim approval.
Local & Established Since 2008
We're not storm chasers who disappear after a storm. We're a local Richmond company that's been serving the community for 15+ years. We'll be here for your warranty.
Licensed & Insured
Full contractor licensing, liability insurance, and workers' compensation. Using an unlicensed contractor can void your insurance coverage—we protect you legally.
Free Inspections & Documentation
We provide free damage inspections and professional documentation. You only pay if your claim is approved and you choose us for repairs—zero risk.
We Attend Adjuster Meetings
We meet with your adjuster on your roof, advocating for you. Claims with professional representation typically receive 2x-3x higher settlements than DIY claims.
Transparent & Honest
We'll tell you honestly if you have a valid claim. If damage isn't covered, we say so—we don't encourage fraudulent claims or waste your time.
Insurance Claims FAQs
Get a Free Damage Inspection & Insurance Review
Don't leave money on the table. Let us help you get the settlement you deserve.