Insurance Claims Assistance
We help simplify your roofing insurance claim from start to finish
Don’t navigate the complex world of insurance claims alone. Roofing First Solutions™ provides expert claim coordination, detailed documentation, and on-site support to ensure you get a fair settlement for storm damage.
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The days following a major storm are stressful enough. Dealing with adjusters, confusing policy jargon, and filing deadlines shouldn’t add to your burden. At Roofing First Solutions™, we don’t just fix roofs—we help restore your home by acting as your professional advocate throughout the entire insurance claim process, Since 2018.
we have helped thousands of homeowners across the U.S. successfully navigate wind, hail, and hurricane claims. We speak the “language” of insurance adjusters, using the same industry-standard software (Xactimate) and high-level documentation they require to approve a full replacement.
“A claim is only as strong as its documentation.” – Roofing First Solutions™
What We Look For (Beyond the Shingles)
When a storm hits, damage isn't always obvious from the ground. Our expert team inspects the entire property to ensure your claim includes:
Soft Metals
Dents in box vents, gutters, and downspouts.
Collateral Damage
Hail strikes on AC units, window screens, and fences.
Hidden Compromises
Bruising under the shingle mat that leads to leaks months later.
Code Requirements
Ensuring your claim includes the costs to bring your roof up to current local building codes.
Document the Date
Know exactly when the storm occurred.
Mitigate Damage
If you have a hole, get it tarped immediately.
Avoid the "Quick Signature"
Never sign a contract with a storm chaser before your insurance has even seen the roof.
Request a Professional Pre-Inspection
Let us verify the damage before you call your agent.
why choose us
Why Homeowners Trust Our Insurance Claims Assistance
Dealing with insurance claims after storm damage can be confusing and stressful. Our team works on your behalf to simplify the process, ensuring every detail is properly documented and nothing gets overlooked. From initial inspection to final approval, we help maximize your claim and protect your investment with expert guidance at every step.
Benefits of Our Insurance Claims Services
How a Roof Insurance Claim Actually Works
Most homeowners file one roof claim in their lifetime, and the vocabulary is deliberately unfamiliar. Here is the part that decides how much money actually reaches your roof — in plain English, before you speak to anyone.
ACV — Actual Cash Value
What your roof was worth on the day the storm hit, after depreciation for its age. On a fifteen-year-old roof this can be a fraction of what a new one costs. If your policy only pays ACV, the gap is yours to cover.
RCV — Replacement Cost Value
What it costs to replace the roof today with equivalent materials. RCV policies normally pay in two parts: the ACV amount first, then the withheld depreciation once the work is complete and invoiced.
Recoverable depreciation
The difference between ACV and RCV that the insurer holds back. It is released after the job is finished and documented — which is exactly why homeowners who take the first cheque and never complete the work leave real money behind.
Your deductible
Your share, subtracted from the settlement. Many policies apply a percentage-of-dwelling-value deductible to wind and hail specifically rather than a flat sum, so check that line before you assume the figure. Minnesota law prohibits any contractor from paying, waiving or rebating it.
The Claim, Step by Step
- Free inspection before you file
We get on the roof, document what is genuinely there, and tell you honestly whether the damage is likely to clear your deductible. If it will not, we say so — a denied claim on your record helps nobody.
- You report the loss
The policyholder files; we cannot file on your behalf. We give you the storm date, the photographs and the written scope to file with, so the claim starts documented rather than vague.
- Adjuster meeting — on the roof, with us
This is the single most important hour of the claim. We meet your adjuster on site and walk the damage with them, so the approved scope reflects the whole roof rather than what could be seen from a ladder.
- Scope review and supplements
We compare the insurer's estimate line by line against what the job actually requires — including code-required items like ice barrier, drip edge and ventilation. Where something is missing we file a supplement with documentation rather than absorbing it or cutting the work.
- Work completed and depreciation released
Once the roof is done we send the final invoice and completion documentation so the withheld depreciation is released. You pay your deductible; the claim covers the rest of the approved scope.
What Is Usually Covered — and What Is Not
Typically covered
- Sudden hail and wind damage from a dated storm event
- Impact damage from falling trees and debris
- Emergency tarping and other reasonable mitigation costs
- Interior damage caused by the resulting water entry
- Code-required upgrades, where your policy carries ordinance-or-law cover
Typically not covered
- Ordinary wear, age and granule loss on an old roof
- Damage from deferred maintenance or a leak left unrepaired
- Manufacturing defects — those belong to the material warranty
- Damage found long after the policy's notice window has closed
- Cosmetic-only damage, where a cosmetic exclusion applies to your policy
Two things worth knowing before anyone knocks on your door
First, in Minnesota it is illegal for a contractor to pay, waive or rebate your insurance deductible, and a residential storm-damage contract may be cancelled within 72 hours after you are notified that your claim has been denied. Second, we are roofers and claim documentation specialists — not public adjusters or lawyers. We document, we advocate for an accurate scope, and we will tell you plainly when a claim is not worth filing.
Storm damage first? Start at storm damage roofing for what to do in the first 24 hours, or 24/7 emergency roofing if water is coming in right now. Once the scope is approved we handle the repair or full replacement.
Frequently Ask Questions
Insurance Claims Assistance
Will you work directly with my insurance company?
Do you charge to help with the claim?
What if the insurance company denies my claim?
Can I get repairs started before my claim is settled?
How do you ensure the estimate is accepted?
Will my insurance premium go up if I file a roof claim?
What is the difference between ACV and RCV on my roof claim?
Do I still pay my deductible if the claim is approved?
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We let our work do the talking, but we’re proud that our customers do too. From emergency repairs handled overnight to complex multi-system commercial roof replacements, Roofing First Solutions™ has earned the trust of hundreds of homeowners and property managers nationwide.
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Roofing First Solutions is standing by to help homeowners get a roof they can rely on. No pressure, no obligation — just expert guidance and honest workmanship from a trusted local roofing team.