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Because leaks are the LAST thing storm damage causes, not the first. Hail bruises and lifted shingles let water into the underlayment for months before you see a ceiling stain. Leaks usually show up 12 to 18 months after the storm, which is right when your insurance claim window is closing (Florida sets it at 1 year for most post-2022 policies; Maryland varies by carrier). By the time a homeowner reacts to a leak, the deadline has typically passed and the damage gets reclassified as wear-and-tear. A free inspection after any significant storm catches the damage while you still qualify. If we find it in time, we guide you to a fully insurance-funded replacement. Be proactive, not reactive.

No. Most of our work is homeowners who simply want a new roof or a leak fixed, paid out of pocket or financed. No claim involved. Many homeowners also do not realize a recent storm could qualify their roof for an insurance claim. If you think you may have damage, we inspect for free and tell you honestly whether it is a standard job or an insurance claim. Either way, you get a written quote with no obligation.

Storm damage is not always visible from the ground. Hail causes distinct circular bruising on shingles, roughly the size of a dime or quarter, and granule loss that exposes the black asphalt mat. Wind damage typically looks like lifted, creased, or missing shingles along roof edges and ridges. If a storm passed through your area in the past 12 months and you have not had a professional inspection, you likely have damage that qualifies for an insurance claim. We provide a free no-obligation inspection and document everything with photos an adjuster will accept.

From the day you call us to the day your new roof is installed typically takes 4 to 6 weeks. That breaks down to: free inspection (1-2 days to schedule), filing the claim with your carrier (same day), adjuster meeting (2-3 weeks out depending on carrier backlog), claim approval and scope of work (3-7 days after the adjuster meeting), and installation (1-2 days for most residential roofs). We manage every step so you do not have to chase your carrier or the adjuster.

On approved claims, your out-of-pocket cost is your insurance deductible. The carrier funds the approved scope of work. You use those proceeds to pay for the project. If the adjuster underscopes, we provide additional photo documentation so you can request a supplement from your carrier. On an approved claim, you pay your deductible and nothing else.

Denials happen. If your initial claim is denied, we review the adjuster report, document any discrepancy with photos and material samples, and provide that documentation to you so you can dispute or supplement with your carrier. Thoroughly documented denials often get reversed on appeal. The free inspection is yours either way.

Often yes, but it depends on your policy. Florida requires new claims on post-2022 policies to be filed within 1 year of the storm date (18 months for supplements). Maryland windows vary by carrier. If you suspect you have un-filed storm damage from this year or last year, call us at (443) 826-3739 today. We'll help you read your declarations page and confirm your deadline before filing.