Roof Insurance Restoration

How the process usually runs

• Inspection and documentation of the damage, by slope, with photos.
• You file the claim with your carrier. We do not file it for you, and no contractor should.
• The carrier assigns an adjuster and schedules an inspection. We meet them on site and walk the damage together.
• The carrier issues a scope and estimate, typically with an actual cash value payment first.
• If the scope misses items that are part of the repair, we submit a supplement with documentation.
• The work is completed and invoiced against the approved scope.
• Recoverable depreciation is released by the carrier after completion, if your policy includes it.

Deductibles

Deductible obligations are set by your policy and applicable law, and you should confirm them with your carrier or agent. As a practical matter, treat any contractor who offers to absorb, waive or rebate your deductible as a bid to walk away from. We will explain what our contract requires from you and when, and we will document the damage and provide a construction estimate, but we do not determine what your policy covers.

What we do not promise

We cannot tell you your claim will be approved, how much your carrier will pay, or what your rates will do. Those are decisions for your carrier and questions for your agent. What we can do is document thoroughly, be present for the adjuster meeting, and make sure the completed work matches the approved scope.

Beyond the roof

When the cause or extent of roof damage is disputed, a paid independent roof inspection or forensic report can address that question separately from ARCC's construction scope. An inspector documents a technical opinion; the carrier decides coverage.

Storm claims often include gutters, siding, screens, garage doors and interior water damage. Because ARCC also handles siding, gutters and interior restoration, one contractor can carry the whole scope instead of coordinating three.