Roof & Claim Advisor
ROOF ASSESSMENT

Roof claims library

Straight answers about roof insurance claims.

Real guidance from years of working claims — what gets approved, what gets denied, and how to know before you file.

Coverage Is roof decking covered by insurance? Why it's included in some claims and not others Decking gets paid on some claims and denied on others. The three paths that decide it — direct damage, code upgrade coverage, and the tear-off supplement. 11 min · Larry Edmister Strategy Get an ITEL test before you repair your roof A $200 lab test before a minor repair can be the difference between patching four shingles and a whole new roof on your insurer's dime. 7 min · Larry Edmister Denials Why roof insurance claims get denied (and how to know your odds before you file) Most denials come down to a handful of predictable reasons — almost all knowable before you file. 6 min · Larry Edmister Wind & Storm What wind damage really looks like on your roof Most wind damage does not blow shingles off — the quiet mark that matters most is a wind crease, and it counts the same as a missing shingle. 6 min · Larry Edmister Hail Hail damage claims: what homeowners need to know How adjusters verify hail damage, the size and duration thresholds that actually matter, and what a good claim gets covered beyond just the roof. 6 min · Larry Edmister
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