Home / Home claims
Claims on larger and custom homes.
Premium materials, complex rooflines and matching that should not stop at one wall. The bigger the house, the more there is to leave off the estimate.
Chris calls back within 24 hours, and often the same day.
- 1Designer and steep roofingPriced as premium, with steep charges
- 2Valleys and step flashingWhere roofs meet walls
- 3DormersExtra labor, often missed
- 4SkylightsFlashing kits and glass
- 5Stone and trimDamage around the base
- 6Siding on every elevationMatching across the house
- 7Gutters and downspoutsEvery run, not just one side
- 8Windows and wrapsWraps, screens and trim
Where home claims come up short.
An adjuster with a ladder and a tight schedule sees the obvious damage. A full claim accounts for the whole house, the way it was actually built.
Premium and specialty materials
Designer and impact-rated shingles, cedar, stone, fiber cement and specialty siding priced as the base product.
Steep and complex roofs
Steep pitches, two-story eaves, valleys and multiple planes add labor that belongs on the estimate.
Matching across elevations
When damaged siding or roofing cannot be matched, the question is how far the repair has to go. That is often the real dispute.
Code items
Ice and water barrier, drip edge and other items required by local code when the roof is replaced.
Everything attached to the outside
Gutters, downspouts, window wraps, screens, vents, skylights and the detached garage or shed.
Coverage you may have already paid for.
Every policy is different, which is why we read yours first. These are the parts homeowners most often do not know to ask about.
Replacement cost and recoverable depreciation
Many policies pay part of the claim up front and the rest after the work is done. That second payment is easy to miss.
Ordinance or law coverage
Helps pay for upgrades the building code requires when you repair or replace.
Other structures
Detached garages, sheds, fences and similar structures usually have their own coverage limit.
Additional living expenses
If the damage forces you out of the house, your policy may cover the cost of living somewhere else.
Have us look at your home claim.
It costs nothing to find out whether there is more to your claim.