Insurance Claim Assistance
Expert guidance and documentation for your insurance claim
The Company Homeowners Call Before Filing an Insurance Claim
We inspect first, determine if storm damage qualifies, and provide insurance-ready documentation.
Why Call Us First?
The Wrong Approach
- Filing a claim without professional assessment
- Discovering damage is excluded from coverage
- Insurance denies claim due to poor documentation
- Missing coverage deadlines and requirements
- Settling for less than actual damage repair cost
Our Approach
- Professional inspection determines if damage qualifies
- Detailed documentation prepared before filing
- Insurance-ready estimates and photos
- Guidance through the entire claims process
- Maximize your coverage and settlement
Our Insurance Claim Process
Contact Us & Schedule Inspection
Call us immediately after noticing potential storm damage. We schedule inspections quickly, often the same day or within 24 hours. For emergencies, we offer 24/7 response.
What you do: Take photos of obvious damage and note the date/time. Avoid making repairs until we assess.
Professional Inspection & Assessment
Our certified inspectors conduct a thorough roof and property assessment. We identify all visible damage, document hidden issues, take professional photos, and measurements. We also determine if the damage likely qualifies for insurance coverage.
What we do: Use drone inspections, ladder access, and professional photography. We provide a detailed assessment and preliminary recommendations.
Detailed Insurance-Ready Estimate
We prepare a comprehensive repair estimate formatted specifically for insurance claim submission. This includes itemized repairs, materials, labor, professional photos, measurements, and detailed descriptions of each damaged area. This document becomes the foundation of your claim.
What you receive: A professional estimate document, detailed photos organized by damage type, and guidance on filing your claim.
File Your Insurance Claim
With our documentation in hand, you file your insurance claim. We provide guidance on the filing process and coordinate with your insurance company. We're available to answer questions and provide additional information your insurer requests.
What we do: Provide support throughout the claims process, communicate with adjusters, and clarify documentation as needed.
Insurance Adjuster Site Visit
The insurance company sends an adjuster to assess the damage and determine coverage. Our estimate helps the adjuster understand the full scope. Often, we can meet with the adjuster to discuss findings and answer technical questions about the damage.
What we do: Available to meet with adjuster, answer technical questions, and ensure our assessment is considered in their decision.
Settlement & Repair
Your insurance company issues a settlement. With documentation and adjuster agreement on scope, you typically receive fair compensation. We then proceed with professional repairs using quality materials and expert installation.
What we do: Complete repairs according to the insurance estimate, maintain communication with your insurer, and ensure quality throughout the restoration.
What You Get From First City Roofing
Professional Documentation
- • High-quality aerial drone photos
- • Close-up detail photography
- • Before/after comparisons
- • Damage location mapping
Detailed Estimates
- • Itemized repair breakdown
- • Material specifications
- • Labor cost estimates
- • Insurance-formatted layout
Expert Guidance
- • Claims filing instruction
- • Insurance terminology explained
- • Process support throughout
- • Adjuster communication help
Common Insurance Questions
Will damage definitely be covered by insurance?
Not necessarily. Coverage depends on your policy, the type of damage, and whether it's considered "covered peril." This is exactly why we inspect first—to determine if damage likely qualifies before you file. Most homeowner policies cover storm damage (hail, wind) but may have exclusions or deductibles.
How much will my deductible be?
Your deductible is specified in your insurance policy. It's the amount you pay out-of-pocket before insurance covers the rest. Some policies have standard deductibles ($500-$2,000), while others have percentage-based deductibles (2-5% of coverage). Check your policy or call your agent.
What if the insurance offer is lower than your estimate?
This occasionally happens. Sometimes adjusters underestimate damage or disagree on repair scope. Our detailed documentation provides the foundation for negotiation. We can request a re-inspection or dispute resolution. You can also hire a public adjuster to negotiate on your behalf.
How long does the claims process take?
Typically 2-6 weeks from claim filing to settlement, depending on damage complexity and insurer workload. Emergency weather situations may cause delays. Having complete documentation from us speeds up the process significantly.
Do I need permission to use your estimate as my contractor bid?
You can share our assessment with insurance and other contractors. Our estimate is yours to use for the claims process. Many homeowners use our estimate for the claim and then get competitive bids for repairs—we support whatever decision is best for you.
Potential Storm Damage?
Don't file a claim without professional assessment. Call First City Roofing for a free expert evaluation and insurance-ready documentation.