The Roof Claim Playbook

The Problem: You're Flying Blind

Here's what usually happens. A storm hits. A contractor knocks on your door or you call your insurance company. An adjuster comes out, climbs on the roof for twenty minutes, and a few days later you get an estimate that's thousands of dollars short of what the work actually costs.

You don't know why. You don't know what's missing. And you don't know whether to argue, sign, or walk away — because nobody ever taught you how the process works.

Most homeowners sign a low settlement simply because they don't know they can question it. They accept line items they don't understand. They miss deadlines they didn't know existed. They trust that "the insurance company will handle it" — and learn too late that the insurance company's job is to pay what's owed, nothing more.

The Roof Claim Playbook exists so you stop guessing. It won't file your claim for you, and it can't change your policy — but it will make sure you understand every step you're walking through.

What You'll Learn

Seven chapters, plain English, zero fluff. Here's what's inside:

• How a roof claim actually works — the full sequence from first notice of loss to final payment, and where homeowners get tripped up at each stage.
• Documenting your damage — what to photograph, how to photograph it, and what records to keep from day one.
• Reading the adjuster's estimate — a line-by-line walkthrough of a scope of loss so you understand what each item is and what's commonly left out.
• Depreciation and deductibles — what ACV and RCV mean in plain terms, and how recoverable depreciation affects your payout.
• Supplements and reinspections — what they are, when they're appropriate, and how the process works.
• Working with contractors — what a good contractor should handle for you, and the red flags that should make you walk away.
• The questions that matter — the exact questions to ask your adjuster and your contractor before you agree to anything.

Is This For You?

Quick Answers

See the full FAQ →