Before anything is filed, we tarp the roof and stop the leak. Salt air off the Hudson corrodes fasteners and flashing long before shingles fail, and winter ice dams push water under the eave. Documentation starts the day you call.
Our claim documentation is built on Xactimate line items your carrier already recognizes. We order ITEL shingle sampling when an architectural shingle needs a color match, and drone photo packages cover steep pitches. Built-up roof sections and tar patches are measured by the square.
Materials change the scope. Late 1800s brownstones carry slate, sometimes wood shake or cedar shake. Mid-century brick buildings and waterfront condominiums use TPO, EPDM, PVC membrane, or modified bitumen. Concrete tile, clay tile, and standing-seam or corrugated metal panel price differently than three-tab.
What's Included
A roof inspection with drone photo packages of every valley, pipe boot, vent boot, skylight curb, and dormer on the rooftop.Xactimate scope documentation listing tear-off, tar paper, synthetic underlayment, ice-and-water shield, and drip edge as separate lines.ITEL shingle sampling when your architectural shingle, three-tab, or cedar shake is no longer manufactured for a match.Same-day tarp and mitigation so water stops wicking through the decking and insulation while the insurance claim is open.A written proof of loss summary plus a rooftop walk-through with your adjuster at the eave, ridge, verge, and chimney flashing.Supplement filings when the estimate skips plywood sheathing, OSB decking, step flashing, apron flashing, or counter-flashing.Depreciation recovery and replacement cost paperwork, including line items for roof coating when a reflective surface makes sense.
Signs You Need Insurance Claim Assistance
Granule loss collecting in the gutter and downspout after a nor'easter, a sign asphalt shingle surfaces are eroding.Bruised or dented shingles after a hail storm, which carriers treat as hail damage only when photographed early.Brown stains spreading across attic rafters or a truss, showing water is wicking past the roofing felt and vapor barrier.Missing ridge cap, lifted flashing, or a torn boot flashing after wind damage that nobody documented at the time.Rust streaks, corroded anchors, and peeling sealant along the roofline, which salt-laden Hudson River air accelerates.A slate, clay tile, or wood shake roof at end-of-life wear where policy coverage still includes replacement cost.
Our Insurance Claim Assistance Process
We inspect the roof and rooftop, photograph the damage, and confirm the storm date your insurance claim will cite.Our HAAG-certified inspectors complete claim documentation with measurements, ITEL shingle sampling, and an Xactimate-ready scope of work.You file the claim, and we meet your adjuster on the roof to walk the pitch, flashings, and roof deck together.We review the approved scope, then submit a supplement when the estimate leaves out decking, gutter, or ventilation work.Tarp and mitigation go up first; our crew sets ladder and scaffold, works in safety harness, and hauls tear-off debris to the dumpster.After the final invoice, we caulk and seal penetrations with roof cement, then file the proof of loss and depreciation paperwork.