We handle the claim, not just the roof

Many of the insurance claims we've handled — claims that were ultimately approved and led to a full roof replacement — didn't start with the homeowner calling us about a claim. In fact, most of the time, there wasn't a claim filed, or even a thought of one.

Here's how it usually happens: a homeowner calls us because their insurance company is requiring a roof replacement due to age or condition, or they just want a quote, a repair, or a wash. During the inspection, we find storm damage and conditions that indicate a legitimate insurance claim is warranted — damage the homeowner never knew was there, or didn't realize qualified. Across Southwest Florida right now, there are a lot of roofs carrying exactly this kind of damage, along with conditions like poor repairability or discontinued tile that support a full claim rather than a patch.

We also see homeowners who did file a claim, received a denial or a partial approval, and assumed the insurance company must be right — after all, why would an adjuster deny something that was truly warranted? In our experience dealing with insurance companies every day, that assumption doesn't always hold up. We've seen adjusters state things that simply weren't accurate, attribute damage to wear and tear or foot traffic without real justification, or decline to give any explanation at all. We push back when we see that, and our track record backs it up — we've turned a significant number of initial denials into full approvals.

A homeowner was preparing to sell her home over forced-placed insurance costs topping $1,200/month — we found the damage that got her a full roof replacement instead.

One example: a homeowner was dropped by her insurance company over the condition of her roof. Because her mortgage required insurance coverage, the mortgage company placed a forced-placed policy on the home, adding roughly $1,200 a month to her payment. A separate equity line of credit on the property did the same independently, billing her around $13,000 for its own forced policy. Between the cost of a full roof replacement — made more expensive by solar panels already installed — and these mounting insurance costs, she was preparing to sell her home. We inspected the roof, identified storm damage and a discontinued shingle, and worked the claim through to a full approval. It wasn't an easy fight, but she got a new roof and was able to secure normal insurance coverage again shortly after. We've seen this story play out in similar forms many times, and it's exactly why we keep taking on these cases, even as it's grown harder to do so as a contractor.

To be clear about our role: we are not public adjusters or attorneys, and we don't argue policy or coverage disputes — that's outside our scope, and we'll refer those situations to the right professional. What we do handle, and handle well, is everything related to the damage itself: what caused it, whether it's repairable, and what it costs to correct. We use Xactimate, the same estimating software most insurance companies rely on, so there's no discrepancy in pricing for any line item. Where disputes come up over whether something exists or needs to be addressed, we resolve that with proper documentation — reports on damage, material availability, and storm data, along with full photo and drone documentation, and coordination of inspections from start to finish. If a claim ultimately needs an attorney, we make sure that attorney has everything they need to advocate for the homeowner. And once an approval comes through, we walk the homeowner through what it means and get the project moving.