The Insurance Claim Lifecycle

We never blindly file a claim. Filing a claim without sufficient damage puts a "zero-pay" claim on your record, which can still raise your rates or make you uninsurable. Our specialists perform a "mock adjuster inspection" first.

We look for:

• Hail Impacts: 8-10 hits per 10x10 ft square (test square).
• Wind Lift: Shingles that have lost their seal (creased).
• Collateral: Dents on soft metals (gutters, vents) which prove storm date and severity.

When you call the claims department, everything you say is recorded. Using the wrong terminology (e.g., saying "flood" instead of "water intrusion from storm") can trigger immediate exclusions.

We guide you on the exact language to use to ensure the claim is opened under the correct "Peril" (Wind/Hail) to trigger coverage.

The insurance company sends an adjuster to inspect the property. If you are alone, they may do a 15-minute walk-around and deny the roof.

ClaimFuse Difference: Our expert meets them on the roof. We circle damage with chalk *before* they arrive. We walk the roof *with* them. It is much harder for an adjuster to ignore damage when a professional is standing right there pointing at it.

You will receive a confusing 20-page document called the "Loss Statement." It uses a software called Xactimate to price the repairs.

Insurers notoriously omit "Code Items" such as:

• Ice & Water Shield (Code Requirement in many snow areas).
• Drip Edge (Required for warranty).
• Steep & High charges (Labor safety).

We audit this line-by-line to find missing funds.

This is where most homeowners lose money. The first check is almost never enough. We file a "Supplement" — a formal request with photos and code documentation — proving that the insurer owes more money to complete the job correctly.

This typically increases the claim value by 20-40% legally and ethically.

Once the scope is agreed upon, our vetted roofing partners begin work. They don't cut corners because the budget has been correctly maximized to pay for premium materials.

Insurance pays in two checks: ACV (Actual Cash Value) and RCV (Recoverable Depreciation).

They hold back the depreciation money until work is complete. We submit the "Certificate of Completion" and final invoices to release this second check to you.