Insurance-Based Storm Restoration
A hail or wind storm can leave damage you cannot see from the ground, and the insurance side is where most homeowners feel lost. Americanstruction works strictly as your licensed roofing contractor, not a public adjuster: we inspect and document the damage, give your carrier the evidence a fair claim needs, meet your adjuster on the roof, and complete the work to code once the claim is approved. You stay in control of your claim. We make sure it is based on facts.
For the homeowner service details, see our residential storm damage and insurance page. Below is how the restoration process actually works, start to finish.
How a Storm-Damage Roof Claim Works
- Free documented inspection. After a hail or wind event we inspect the roof, siding, gutters, and soffit and capture drone and close-up photos of every impact, crease, and lifted shingle. You get a written report whether or not you file.
- You open the claim. You contact your carrier and file. We hand you the documentation and date-of-loss detail that supports it.
- Adjuster meeting on site. We meet your insurance adjuster on the roof and walk the damage together, so nothing legitimate gets missed and the scope reflects what actually happened.
- Scope and approval. The carrier issues a scope of loss and an estimate. We review it against our findings and flag anything underpaid or omitted through a supplement.
- We do the work. Once approved, we install a manufacturer-certified system to code, pull the required permits, and document the build.
- Final paperwork and depreciation. We invoice to the approved scope and provide what your carrier needs to release the recoverable depreciation, so on a covered claim you typically pay your deductible and little else.
The Insurance Words That Trip People Up
Plain-English definitions so you know exactly what your carrier is talking about.
RCV vs ACV
Replacement Cost Value is what a new roof costs today. Actual Cash Value subtracts depreciation for age and wear. On an RCV policy you recover that depreciation after the work is done.
Recoverable depreciation
The amount held back until the work is complete. We provide the final documentation that releases it to you, which is why a covered claim usually costs you only your deductible.
Deductible
Your share of a covered claim. It is owed by law on an approved claim. Any contractor offering to waive or absorb it is committing insurance fraud, and we will not do it.
Supplement
An adjustment when the original scope misses code items or hidden damage found during the build. We document and submit these so the approved scope matches the real job.
Scope of loss
The carrier's itemized estimate of what they will pay. We compare it line by line against our inspection findings.
Date of loss
The date the storm hit. Carriers have reporting windows, so undocumented damage can become impossible to prove once that window closes. Document early.