What happens when you call
Most homeowners call us within 24 hours of a storm. That is the right instinct. The sooner we document the roof, the cleaner the insurance record — photographs taken before any temporary repair clearly show the pre-repair condition, which is what the adjuster needs.
“The adjuster works for the insurance company. We work for you. Those are different jobs, and the difference matters when it is time to negotiate.”
We bring a moisture meter, a drone or ladder access, and a camera with a GPS timestamp. Everything we photograph is labeled and organized in the format that carrier adjusters use — not because it makes us look good, but because it shortens the claim cycle and reduces the chance the carrier underpays.
Marcus attends the adjuster's inspection when possible. On claims where we have submitted supplemental documentation, the final settlement has been higher than the initial estimate in over 80% of cases. The difference is usually the deck condition, the ventilation requirements, and the manufacturer's installation specifications — things the adjuster does not always check.
The four steps
Free inspection — what we look for
Marcus or a senior crew member walks the roof and the attic. We look at the shingles, the ridge, the valleys, the flashing around every penetration, the soffit, and the fascia. Inside the attic we check for daylight, staining, and the ventilation setup. The inspection takes 45–90 minutes. You get a written report the same day.
Damage documentation — how we work with adjusters
If there is insurance-eligible damage, we photograph everything and prepare a line-item report in the format your carrier's adjuster uses. We've worked with State Farm, Allstate, GEICO, Liberty Mutual, and most regional carriers. We attend the adjuster's inspection when possible. Our documentation has successfully supplemented under-estimated claims on 80% of cases where we filed.
Tarp & temporary work — what happens before replacement
If the structure is exposed, we tarp the same day. Tarping is not a repair — it buys time and protects the interior. We document the tarp placement for the insurance file. Temporary repairs like re-nailing lifted sections or patching an isolated area are done at cost, deducted from the final replacement invoice.
The replacement — materials, warranty, timeline
Full tear-off. Deck inspection. Ice-and-water shield in eave zones and valleys. Synthetic underlayment over the rest. Drip edge on every edge. Then shingles, ridge cap, and a final nail-pattern inspection before we clean up. Most residential jobs complete in one day. We pull the permit, the town does the inspection, we get the sign-off. Standard workmanship warranty is 10 years on top of the manufacturer's product warranty.
Storm damage documentation — Suffolk County, 2024
Insurance carriers we know
- State Farm
- Allstate
- GEICO
- Liberty Mutual
- USAA
- Travelers
- Nationwide
- Erie Insurance
And most regional carriers. If yours is not listed, we have probably worked with them.
