Storm Damage
Storm Damage Repair & Insurance Claims
Seattle weather can be brutal on roofs. When storms strike, we help you navigate the repair process and insurance claims. We work directly with your insurance company to ensure you get the coverage you deserve.
Claim Approval
Claims Handled
Out of Pocket
Storm damage is deceptive. What looks like a few missing shingles from the ground can actually be a compromised roofing system with widespread seal failure and bruising. The Seattle Roofing Company specializes in storm restoration and insurance advocacy. We speak the language of adjusters and ensure your claim covers every penny required to restore your home to pre-storm condition.
Forensic Storm Damage Assessment
Wind and hail leave specific signatures. We use hail gauges and chalk test methods to identify impact bruises that void manufacturer warranties. We look for "zippered" shingles where wind has broken the adhesive seal, a condition often missed by quick inspections but one that leaves your roof vulnerable to future blow-offs.
Complete Insurance Advocacy
The insurance process is complex. We handle it for you. From filing the initial claim to meeting the adjuster on your roof (to ensure they circle the same damage we found), we are your representative. We use Xactimate software—the same industry standard used by insurers—to write accurate, detailed estimates that leave no room for underpayment.
Code Upgrades & Supplementing
Building codes change. If your old roof doesn't meet current standards for ventilation or ice and water shield, your insurance should pay for those upgrades. We identify these "Law and Ordinance" items and file supplements to ensure your new roof is not just a patch job, but a code-compliant, high-performance system.
Restoration with Premium Materials
Insurance pays for "like kind and quality," but we often upgrade you. We install high-definition architectural shingles with superior wind ratings (up to 130mph) and impact resistance (Class 4). We turn a disaster into an opportunity to upgrade your home's exterior protection and curb appeal.
You pay your premiums for a reason. Let us ensure you get the full benefit of your policy. We handle the paperwork, the meetings, and the construction, so you can focus on getting your life back to normal.
What's Included
Why Choose Us
Insurance Expertise
We know what insurance companies need to approve claims.
Full Documentation
Thorough photo and written documentation of all damage.
Direct Billing
We can bill your insurance directly, reducing your hassle.
Quality Restoration
Your roof is restored to pre-storm condition or better.
Our Process
Simple, transparent, and professional
Emergency Response
We secure your property to prevent further damage.
Document Damage
Thorough documentation for insurance purposes.
File Claim
We help you file and navigate the claims process.
Repair
Once approved, we complete all necessary repairs.
Frequently Asked Questions
Will my insurance cover storm damage?
Most homeowner policies cover "sudden and accidental" damage from wind, hail, and fallen trees. We help you verify your coverage.
Do I need to pay upfront?
Typically no. You pay your deductible, and the insurance company pays the rest. We often wait for the insurance check.
How do I know if I have wind damage?
Look for missing shingles, creased shingles (lines near the top), or granule loss. We offer free inspections to confirm damage.
What is the "statute of limitations" on claims?
It varies by policy, but typically you have 1 year from the date of the storm to file a claim. Don't wait!
Will my rates go up if I file a claim?
Not necessarily for a "no-fault" weather claim, but rates depend on your carrier and region. It's best to ask your agent.
Can you meet with my adjuster?
Yes! We highly recommend it. We meet the adjuster on your roof to ensure they see all the damage we identified.
What if the insurance estimate is too low?
We supplement the claim. We send documentation to the insurance company explaining why more funds are needed (e.g., code upgrades, missed damage).
Do you handle the paperwork?
Yes, we handle the technical documentation and submission of estimates to the insurance company.
Can I upgrade my roof during a claim?
Yes. Insurance pays for "like kind and quality." If you want a better shingle, you simply pay the difference.
What about my deductible?
You are legally responsible for your deductible. We cannot waive it (that is insurance fraud), but we offer financing to help cover it.
How long does the claim process take?
It can take anywhere from 1 week to 2 months depending on the carrier and complexity. We follow up constantly to speed it up.
Do you repair hail damage?
Yes, hail can bruise shingles, leading to premature failure. We are experts at identifying hail hits.
What if my claim is denied?
We can ask for a re-inspection with a different adjuster or help you provide additional evidence to appeal the decision.
Do you warranty insurance work?
Absolutely. Our warranty is the same whether you pay cash or insurance pays. Quality is never compromised.
Can you fix interior water damage?
We focus on the roof. For interior drywall/paint, we can refer you to trusted restoration partners.
Helpful Resources
Learn more about storm damage from our expert guides
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