Commercial Roofing Insurance Claims

From repair to total replacement, we work with all major commercial building insurance providers to restore your building. And when storm damage strikes, we’re there to help you through each step of the commercial insurance claims process.


We bring over 100 years of combined roofing experience to help commercial property owners, managers, superintendents, and project managers to navigate the complex claims process quickly. We work with all major insurance companies to streamline the process by providing photo/video evidence, estimates, and documented reports.

Claims Process

  1. Inspection
    A roof damage claim begins with a complete inspection of the damaged area of the roof. All roofing components are manually and visually inspected to assess the severity of the damage and to determine the cause.
  2. Claim Submittal
    Once damage to your roof has been confirmed, we will create a well-documented report using photographic, video, manual documentation along with a proposed remedy, estimate, and plan of action. We will submit this entire bundle as a claim to your commercial insurance provider.
  3. Damage Verification
    Your insurance company will send out a representative adjuster. The adjuster will determine whether he believes the roof should be replaced and what he thinks the replacement should cost. We can work with your insurance company to answer questions and to provide any clarification or guidance the adjuster may need.
  4. Claim Approval or Denial
    If your claim is accepted, you’ll receive a claim offer form from your insurance provider. We’ll work with you to make sure that the adjuster has done their due diligence and that the resulting claim is fair. If your claim is denied, we can help determine whether an additional remedy should be pursued.
  5. Insurance Claim Offer Review
    We’ll give you accurate and honest answers with documentation as to what roof type and what components within the assembly should be covered. This will allow you to review the claim offer that your insurance company will provide and what your costs, if any, might be.
  6. Offer Negotiation
    You don’t have to accept the initial offer. Most commercial roofing claim offers come back incomplete. For instance, your insurance adjuster won’t typically take a core sample themselves. We can help make sure the adjusters have all the necessary documentation to make the best offer.

What is a deductible?

Like with any other form of insurance, the deductible is the amount you agree to pay alongside the insurer towards the cost of repair in the event you have to file a claim.

What is an AVC policy (actual cash value)?

After the cost of repair has been assessed, an actual cash value policy subtracts depreciation from the repair cost and contributes the remainder. For example, if the repair cost was determined to be $10,000, depreciation $5,000, and your deductible was $1,000, the net payout towards the repair would be $4,000.

What is depreciation?

Depreciation is the scheduled reduction in the value of your roof as it ages. If your roof’s original installation cost was $20,000 and it was assumed to have a 20-year life, and the rate of depreciation was $1,000 per year, and five years after it was installed you had to file a claim, the depreciation would be $5,000.


Carlisle Syntec Authorized Applicator

CertainTeed Silver Star Commercial Contractor

Crane Rigging Certifications

Man lift Certifications

GAF Master Commercial Contractor

MBCI Approved Contractor

NCI Certified Contractor

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Sheffield Metals Authorized Manufacturer and Installer

Hunter Insulation Panel Qualified Contractor

Forklift Certifications


27+ Years of Business

$10,000,000+ General Liability Coverage

$1,000,000+ Roofing Project Experience

Workers’ Compensation Coverage

MBCI Approved Contractor

OSHA Compliant

DUNS Number

BBB Torch Award

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