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Insurance Claim Help

We read every Xactimate line-item.

Insurance claims are our discipline, not a sideline. We document the loss with drone photography, file the FNOL with the insurer, meet the adjuster on the roof, and supplement the scope when the initial estimate misses.

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The problem

Most homeowners leave money in the claim.

Insurance carriers use Xactimate — a line-item estimating software — to scope every loss. The adjuster's first scope is rarely the full scope. North slopes get missed. Drip edge gets skipped. Starter strips get left off. Ice-and-water shield doesn't make it into the estimate.

If the contractor can't read Xactimate and can't write a supplement, the homeowner ends up paying the delta out of pocket — or the job gets built short.

Free claim review — we read your existing estimate line-by-line
Supplement filing — we write and submit the delta the adjuster missed
Adjuster re-meet on the roof — not a phone call, not an email
Code upgrade advocacy — Illinois and Wisconsin code-required line items
Depreciation recovery — proper documentation to release the second check
Denial appeal and reinspection request when warranted

Claim process

How a claim actually moves.

Six stages from storm to second check. We run all six — you sign where required.

Stage 1

Free Inspection

Drone + ground + interior. Written loss report with timestamped photos. No charge, no obligation.

Stage 2

FNOL Filing

First Notice of Loss submitted with your insurer. Claim number issued. Adjuster assigned.

Stage 3

Adjuster Meeting

We meet your adjuster on the roof, with the drone imagery, in Xactimate language. Scope agreed on site.

Stage 4

Supplement Filing

If the initial scope misses items, we file a supplement with photo-documented justification. Most supplements approve.

Stage 5

Install

Crew in, crew out, factory-spec install. Certificate of completion to insurer.

Stage 6

Depreciation Recovery

Final invoice and completion docs submitted. Insurer releases the depreciation holdback (usually 20–30% of the claim).

What we don't do

We don't waive your deductible.

Illinois and Wisconsin law prohibit contractors from waiving, rebating, or paying a homeowner's insurance deductible. Any contractor who offers to is breaking the law — and any homeowner who accepts is committing insurance fraud. We don't play that game.

Ethics

No Deductible Waivers

Illegal under 215 ILCS 5/155.22a. We decline contractors that offer it. The homeowner pays the deductible — always.

Ethics

No AOB Games

We don't require an Assignment of Benefits. The homeowner stays the insurance contract holder. We work as their contractor, not their lawyer.

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Xactimate Literate

FAQ

Insurance claim questions.

Will a roofing claim raise my premium?

Storm losses (hail, wind, tree impact) are classified as catastrophic — Acts of God — and don't typically trigger a rate increase on an individual policy. They can affect regional rates. Your agent is the authoritative source on your specific policy.

What is a claim supplement?

An additional scope item filed with the insurer after the initial estimate. Examples: ice-and-water shield required by Illinois code but missing from the adjuster's first write-up; starter strip not priced; drip edge omitted; satellite-dish detach/reset not included.

Do you require an Assignment of Benefits (AOB)?

No. We've seen AOB abuse hurt homeowners when contractors disappear with the claim proceeds. We stay out of your insurance contract. You sign the insurance paperwork; we do the roofing.

How long does a claim take from start to finish?

Typical storm claim is 4–8 weeks from FNOL to install complete. Depreciation release adds another 2–4 weeks after the final invoice. Complicated claims with multiple supplements can run 12+ weeks.

What if my claim is denied?

We appeal. Most denials are scoping errors, not legitimate rejections. We provide the supplemental documentation and request a reinspection. Most reinspections result in a reversed or partially approved denial.

Do you handle commercial claims?

Yes. See commercial roofing for property manager and facility claim support, including tenant coordination.

We read every Xactimate line-item.

Most homeowners leave money in the claim.

How a claim actually moves.

We don't waive your deductible.

Insurance claim questions.

Related services

Already have a claim? Let us read it.