Roofs are where we started, and where insurance estimates fall short most often. We inspect the whole roof, document every damaged slope and push for the repair your policy actually pays for.
The carrier pays for a few shingles or a handful of vents when the whole slope is damaged.
If your shingles are discontinued, a patch won't match. Shingle identification testing can show whether a repair is even possible.
Starter course, drip edge, ridge cap, underlayment, flashing and vents are left off the estimate.
Hail bruising and wind-creased shingles get written off as age. A proper inspection tells the difference.
Repairs often have to meet current building code, and that cost belongs in the claim.
Older roofs get heavy depreciation. We check how your policy handles it and what you can recover.
We inspect the property, write a line-by-line Xactimate estimate and handle the back-and-forth with your insurance company for homes, businesses and churches.
Yes. That is one of the most common roof claims we see. We re-inspect the roof, document the full extent of the damage and present the carrier with a complete estimate.
Often, yes. Age affects how much depreciation is taken, but storm damage is still storm damage. We review your policy to see how roof age is handled.
No. You can call us first. If you already have a roofer, we work alongside them so everyone is working from the same scope.
Send us the denial letter and the carrier's estimate. We will tell you whether there is a case to reopen the claim.
Or email claims@oceanstates.net with photos and any letters from your insurance company.
