Roofing New England

Storm claim advocacy · 6 NE states

Most homeowners get under-paid by their adjuster — and don’t know it.

Insurance carriers don’t pay claims they aren’t asked to pay. The difference between a partial-replacement settlement and a full-roof check is usually a roofer who knows exactly which industry standards justify the larger scope — and a homeowner with the patience to make the case. We’re that roofer. We’ve done this a thousand times. We don’t inflate claims; we don’t let you get under-paid either.

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What we look for

GAF Master Elite · CertainTeed SELECT ShingleMaster · Owens Corning Platinum · Lifetime Workmanship Warranty

The carrier’s first offer is almost never the right one

How insurance claims actually get paid.

When a storm damages your roof, your insurance carrier dispatches an adjuster. The adjuster’s job is to settle the claim for what they believe is necessary repair — not what would actually return your roof to pre-storm condition. They use software-driven pricing (Xactimate) that often doesn’t reflect actual NE market rates, and they make scope assumptions (“we can match the shingles”) that frequently aren’t true.

The result: most homeowners settle for partial-slope repair when the right scope is full-slope replacement (because shingles can’t be matched). They get paid 2018 pricing for 2026 work. They sign the release before they realize the deck damage wasn’t included. We sit in those adjuster meetings with you and make the case — politely, with documentation, with industry-standard citations — for the proper scope of work.

ADVOCACY 01

Pre-adjuster damage documentation

We document the damage before the adjuster arrives. Wide context shots, forensic close-ups, square-footage diagrams, narrative description. This goes into the claim file before the adjuster has formed an opinion.

ADVOCACY 02

Adjuster meeting attendance

We meet the adjuster on-site. We walk the damage with them, point out items they might miss (back-slope wind damage, hidden hail bruising, ridge cap loss), and explain why the proper scope is what it is.

ADVOCACY 03

Industry-standard scope justification

Roofing has formal industry standards (NRCA Roofing Manual, manufacturer installation guidelines) that govern “like kind and quality” replacement. When matching shingles isn’t possible, those standards typically require full-slope replacement. We cite the standards in writing for the adjuster’s file.

ADVOCACY 04

Code-upgrade coverage

Many NE homes have older roofs that don’t meet current code (insufficient ice-and-water shield, undersized ventilation). Most policies include “law and ordinance” coverage that funds bringing the new roof up to current code. We make sure that coverage is invoked.

ADVOCACY 05

Supplemental claim filing

When the initial scope misses items that are discovered during tear-off (rotted deck, hidden underlayment damage), we file supplemental claims with documentation. Most carriers pay supplementals readily when properly documented.

ADVOCACY 06

What we don’t do

We don’t inflate claims. We don’t manufacture damage. We don’t sign “assignment of benefits” contracts that let us take over your claim and disappear with the proceeds (a common scam after major storms — never sign one). We work for you, on a standard contract, with our normal markup. The advocacy is included in the job, not a separate fee.

The claim process

From storm to settlement.

STEP 01

Initial damage assessment

Within 24 hours of contact. Photo-documented condition report. Temporary tarp installed if needed. Written narrative of damage suitable for claim filing.

STEP 02

Claim filing assistance

We help you file the claim with your carrier (or work with the one you’ve already filed). We provide them our documentation up front.

STEP 03

Adjuster meeting + scope advocacy

We attend the adjuster’s site visit with you. We walk the damage together. We make the case for the proper scope of work, with industry-standard citations.

STEP 04

Repair after approval

Work begins after insurance approval. Lifetime workmanship warranty applies. Supplemental claims filed if additional damage is discovered during tear-off.

WE MEET THE ADJUSTER WITH YOU·NRCA-STANDARD DOCUMENTATION·NEVER REQUIRE AN AOB

Insurance claim concerns

Four questions about working with adjusters.

Question 01

“What\’s an AOB and should I sign one?”

Assignment of Benefits — transfers your claim rights to a contractor. NEVER sign one. Multiple scam waves after NE storms used AOBs to collect insurance proceeds and disappear. We work on a standard contract where you receive the proceeds and pay us directly. We don’t require AOBs.

Question 02

“Will my insurance rate go up if I file?”

Single weather-related claims usually don’t trigger increases — they’re acts of nature beyond your control. Multiple claims in 3-5 years often do. We can help you decide whether a small claim is worth filing or whether out-of-pocket makes more sense.

Question 03

“What if the carrier won\’t approve full replacement?”

Appeal rights you have: appraisal clause (binding third-party assessment), state insurance department complaint, or public adjuster for serious denials. We’ve never needed to go past the appraisal step for legitimate claims.

Question 04

“How long does insurance + replacement actually take?”

Typical NE timeline: 1-3 days initial assessment + tarp. 7-21 days for adjuster meeting + approval. 2-6 weeks materials + crew scheduling. Total: 30-60 days from storm to completed install. Major weather events with widespread damage stretch the back half.

After the claim

Homeowners after the carrier settled.

“Carrier\’s first offer covered $7K of $24K replacement. They documented the damage thoroughly, sat at the adjuster meeting, cited NRCA standards. Final settlement: $22K. We paid the deductible and that was it.”

D. McCarron · Greenwich, CT
Storm claim advocacy · 2024

“Tree damage during a March wind storm. They handled the supplemental claim when we found rotted decking during tear-off. Adjuster paid the supplemental without dispute. No surprise invoices.”

F. Tagliaferri · Beverly, MA
Tree damage + supplemental · 2023

“Carrier tried to settle for partial-slope replacement on matching-shingle grounds. They cited the NRCA standard for non-matchable replacement and got full-slope approved. $11K more in settlement.”

L. Hertel · Manchester, NH
Scope dispute resolved · 2024

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Recent insurance recoveries

Three claims we helped close.

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Storm wind · Greenwich, CT

Full replacement approved

$22K final settlement vs $7K initial offer. NRCA-standard documentation.

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Tree damage · Beverly, MA

Supplemental approved

$8K supplemental for rotted deck discovered during tear-off.

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Scope dispute · Manchester, NH

Full-slope replacement

$11K additional settlement after non-matchable shingles argument.

Next step

Get an honest written quote.

Photo-documented assessment. Itemized quote. We’ll tell you if repair makes more sense than replacement.

No high-pressure pitch · Walk-away friendly

Frequently asked

Questions we hear most.

Will my insurance rate go up if I file a claim?

It depends on the carrier and the type of claim. Single weather-related claims usually don’t trigger rate increases — they’re considered acts of nature beyond your control. Multiple claims in 3–5 years, or non-weather-related claims (wear-and-tear arguments, maintenance-related leaks), often do. We can help you decide whether a small claim is worth filing or whether out-of-pocket repair makes more sense.

What’s an ‘AOB’ or ‘assignment of benefits’ and should I sign one?

No, you should not — and we won’t ask you to. An AOB lets a contractor take over your insurance claim, file it on your behalf, and receive the proceeds directly. In NE there have been multiple scam waves where storm-chasing contractors get AOBs signed, collect insurance proceeds, and disappear without doing the work. Legitimate contractors (us included) work on standard contracts where you pay us and insurance reimburses you.

What if the insurance company won’t approve full replacement?

If their offer is unreasonable given the damage, you have appeal rights — and we’ll help you exercise them. Possible next steps include: invoking your policy’s appraisal clause (an independent third-party appraisal that’s binding on the carrier), filing a complaint with your state’s department of insurance, or hiring a public adjuster for serious denials. We’ve never had to go past the appraisal-clause step for a claim where we believed the damage justified full replacement.

How long does an insurance-claim replacement take from storm to install?

Typical timeline in NE: 1–3 days for initial assessment and tarp, 7–21 days for adjuster meeting and approval, 2–6 weeks for materials delivery and crew scheduling. Total: roughly 30–60 days from storm to completed install. Major weather events with widespread damage stretch the back half because materials and labor are both in short supply — book early.

Do you bill the insurance company directly?

Standard practice: the insurance company pays you (the homeowner), and you pay us. We invoice you. Some carriers issue two-party checks (made out to you AND the contractor) — those require both signatures to deposit. We’ll explain whichever model your carrier uses before we start work.

Next step

Get an honest written quote.

Photo-documented assessment. Itemized quote. We’ll tell you if repair makes more sense than replacement.

Get your written quote