Storm damage is an insurance claim. We make sure it's paid like one.
We've walked hundreds of Washington and Oregon homeowners through wind, hail, and tree-strike claims. Here's exactly how it works — whether you hire us or not.
What your policy actually covers
Homeowner policies cover sudden perils: wind, hail, falling trees and limbs, and the interior water damage they cause. They never cover wear: age, moss, UV fatigue, or the slow leak you've known about since last spring. Most real situations are a mix — which is why the inspection comes before the claim. We'll tell you plainly which side of the line your roof is on, in photos.
The claim, in the right order
- 1
Inspect & document
Free inspection with adjuster-formatted photos — before you file. Now you know whether the damage even justifies a claim: a $900 repair against a $2,500 deductible doesn’t.
- 2
File the claim
You call your carrier with our report attached. Note your policy deadline — carriers require prompt notice.
- 3
The adjuster meeting — on your roof, with us present
The adjuster walks your roof exactly once. Someone should be up there speaking scope, code upgrades, and matching-material rules on your behalf. We attend at no charge.
- 4
Scope & payment
The carrier issues a scope and first check. We review it line-by-line and file supplements when the scope misses real damage — that’s normal, not adversarial.
- 5
The build
We work from the approved scope. You pay your deductible. That is the entire bill.
- 6
Depreciation recovery
Replacement-cost policies withhold depreciation until work completes. We file the completion paperwork so you actually receive the second check.
The deductible truth
Your deductible is your legal share of the loss. A contractor who offers to "eat" it either commits fraud on the invoice or quietly builds it back with cheaper materials — usually both. It's the storm-chaser's opening move, and it's the fastest way to identify who not to hire.The full storm-chaser field guide is here.
Claim questions, straight answers
What does hiring you add to my claim cost?
Nothing. We work from the insurance scope; you pay your deductible and that is the whole story. Anyone offering to "eat your deductible" is committing insurance fraud with your name on it — walk away.
Will filing a claim raise my rates?
Weather claims are typically rated across regions, not individuals — one storm claim rarely moves your premium the way an at-fault claim would. But a denied or frivolous claim still goes on your CLUE report, which is exactly why we inspect before you file.
What’s the difference between ACV and RCV?
Actual Cash Value pays the depreciated worth of your old roof. Replacement Cost Value pays for a new one — but withholds depreciation until the work is done. Check your declarations page; we’ll read it with you for free.
My claim was denied. Is that final?
Often not. Denials based on a rushed drive-by inspection can be reopened with better documentation, a re-inspection, or appraisal. Bring us the denial letter — we’ll tell you honestly whether it’s worth fighting.
How long do I have to file after a storm?
Policies commonly require "prompt" notice, and both WA and OR policies may carry one- or two-year suit limitations. Practical answer: document within days, file within weeks. Evidence fades — wind-lifted shingles reseal, and adjusters know it.
Think you have a claim?
Free inspection first, claim second — that order protects your CLUE report and your rates. We'll tell you honestly if the damage isn't claim-worthy.