Roofing Insurance Claims Assistance
Navigating a roofing insurance claim can be overwhelming. Mr. Roofer guides you through every step — from free inspection and documentation to adjuster meetings and final replacement.
Schedule Free Inspection
Our Insurance Claims Process
Free Inspection
We perform a thorough, no-cost inspection of your roof to identify all storm-related damage including hail hits, wind damage, and debris impact.
Damage Documentation
Every area of damage is photographed and documented in a detailed report you can use when filing your insurance claim.
Claim Filing Support
We walk you through the process of contacting your insurance company and filing your claim with the right documentation.
Adjuster Meeting
We meet your insurance adjuster on-site, walk the roof together, and ensure every piece of damage is accounted for in their report.
Replacement & Warranty
Once your claim is approved, we handle the full roof replacement and back every job with our workmanship warranty.
Why Homeowners Trust Mr. Roofer With Their Claims
Filing a roofing insurance claim after a storm is stressful enough without having to worry about whether your contractor knows the process. At Mr. Roofer, we have extensive experience working directly with insurance companies throughout Ohio, West Virginia, and Kentucky. We understand the claims process inside and out because we handle it every day for homeowners across the Tri-State area.
As a family-owned company based in South Point, OH, we take pride in treating every homeowner with honesty and respect. We live in the same neighborhoods we serve, and that personal connection drives everything we do. We do not pressure you into decisions, and we never ask you to sign anything before your inspection. Our job is to document the damage, present the facts, and let you make an informed decision about how to proceed.
Many homeowners are surprised to learn that their insurance company may cover the full cost of a roof replacement if the damage is caused by a covered event. Hailstorms, windstorms, and fallen trees are among the most common causes of insurable roof damage in our region. We help you determine whether you have a valid claim and guide you through the entire process at no cost.
Don't wait until a small problem turns into a costly emergency. Call us at (740) 876-ROOF or schedule your free inspection online today.
What's Typically Covered by Insurance
- Hail damage to shingles, vents, and flashing
- Wind damage including lifted, creased, or missing shingles
- Damage from fallen trees and large debris
- Water damage resulting from storm-related roof failures
- Damaged ridge caps, pipe boots, and roof accessories
- Gutter damage caused by storms or fallen limbs
Generally Not Covered
- Normal wear and tear over time
- Damage from lack of maintenance or neglect
- Cosmetic-only damage with no functional impact
- Pre-existing damage before the storm event
The Adjuster Meeting: Why It Matters
One of the most critical steps in the insurance claims process is the adjuster's inspection. This is when your insurance company sends a representative to evaluate the damage to your roof. Many homeowners make the mistake of not having their contractor present during this meeting, which can result in damage being overlooked or underestimated.
Mr. Roofer meets with your adjuster on-site for every claim we assist with. We walk the roof alongside the adjuster, point out each area of damage, and provide our professional documentation to support the claim. This ensures that the adjuster's report reflects the true scope of damage and that you receive the full amount you are entitled to under your policy.
If the adjuster's initial estimate comes in lower than what is needed to properly replace the roof, we handle the supplement process. A supplement is an additional request to your insurance company for the difference between their estimate and the actual cost of the work. We prepare and submit all supplement documentation on your behalf at no additional charge.
Understanding Your Deductible
Your deductible is the amount you pay out of pocket before your insurance coverage kicks in. Deductibles vary by policy and can be a flat dollar amount or a percentage of your home's insured value. It is important to review your policy and understand your deductible before filing a claim.
Mr. Roofer will never ask you to waive your deductible or offer to cover it for you. Waiving the deductible is illegal in most states and a red flag when choosing a roofing contractor. We believe in doing business the right way, and that means following all applicable laws and insurance regulations.
If your deductible is a concern, we offer flexible financing options to help cover your out-of-pocket costs. Get pre-approved with no impact to your credit score and choose a payment plan that works for your budget.
Need Help Covering Your Deductible?
We partner with leading financing providers to offer affordable payment plans. Check your options with no impact to your credit score.
What to Expect After a Storm
Inspect From the Ground
After severe weather passes, check your property for visible signs of damage from the ground. Look for missing shingles, dented gutters, broken siding, or debris on the roof. Do not climb onto your roof — leave that to the professionals. Take photos of any damage you can see from ground level.
Contact Mr. Roofer
Call us at (740) 876-ROOF or request your free inspection online. We will schedule a thorough roof inspection at a time that works for you. There is never a charge for our storm damage inspections.
Review Your Documentation
After our inspection, we provide you with a complete damage report including photographs and notes. You review the findings with us, and if a claim is warranted, we help you file with your insurance company and manage the process from there.
Frequently Asked Questions
Does Mr. Roofer charge for helping with my insurance claim?
No. Our storm damage inspection and insurance claims assistance are completely free. We only get paid when the work is approved and completed. There is never a fee for our inspection, documentation, or adjuster meeting services.
What does homeowner's insurance typically cover for roofing?
Most standard homeowner's insurance policies cover roof damage caused by sudden, accidental events such as hailstorms, windstorms, fallen trees, and other severe weather. Normal wear and tear, neglect, and cosmetic-only damage are generally not covered. We help you understand exactly what your policy includes.
Do I need to file my insurance claim before contacting Mr. Roofer?
No. We recommend contacting us first for a free inspection. We document all damage and provide you with a detailed report before you file your claim. This ensures you have professional documentation from the start, which strengthens your claim.
Will Mr. Roofer meet with my insurance adjuster?
Yes. We meet with your insurance adjuster on-site during their inspection. This is one of the most important steps in the process. We walk the roof with the adjuster, point out every area of damage, and make sure nothing is missed in their report.
What is a supplement and why might I need one?
A supplement is an additional claim filed when the original insurance estimate does not fully cover the scope of work needed. This can happen when hidden damage is discovered during the replacement or when the adjuster's initial estimate is too low. Mr. Roofer handles the supplement process on your behalf at no extra cost.
How long does the insurance claims process take?
The timeline varies depending on your insurance company and the complexity of the claim. Typically, the process from initial inspection to claim approval takes 2 to 4 weeks. Once approved, we can usually schedule your roof replacement within 1 to 2 weeks.
What if my insurance claim is denied?
If your claim is denied, we review the denial with you and help you understand your options. In many cases, we can assist with filing a supplement or appeal. We also offer flexible financing options through our financing partners so you can still get the roof replacement you need.
What Our Customers Say
“Mr. Roofer replaced our entire roof after storm damage. They handled everything with our insurance company and the new roof looks great.”
James T.
South Point, OH
“We had hail damage and didn't even realize it until Mr. Roofer came out for a free inspection. They walked us through the whole insurance process.”
Sarah M.
Huntington, WV
“Best experience I've had with a contractor. They showed up when they said they would, did clean work, and left our property spotless.”
Robert K.
Charleston, WV
Need Help With an Insurance Claim?
Schedule your free storm damage inspection today. We handle the paperwork, meet with your adjuster, and guide you through every step.