Storm Damage? Your Insurance May Owe You a Brand New Roof, Siding & Gutters
Most homeowners don't realize what their insurance actually covers. Hail, wind, and storm damage often qualify for full replacement — roof, siding, and gutters — and you pay only your deductible. We handle the entire claim process from inspection to final approval.
- Pay Only Your Deductible
- Roof, Siding & Gutter Claims
- We File & Fight Your Claim
- Licensed & Fully Insured
- ITEL 3rd-Party Testing
- Free Storm Damage Inspection
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Fast response throughout Greater Northeast Ohio
Here's What Insurance Companies Don't Want You to Know
After every major storm, insurance companies count on homeowners not knowing what they're entitled to. They know most people won't climb on their roof. They know most people will accept whatever the adjuster says. And they know most people don't understand that hail damage you can't see from the ground often qualifies for a complete roof replacement, new siding, and new gutters — paid for by insurance.
That's where we come in. We're not just roofers who happen to do insurance work — we are insurance claim specialists. We know the process, we know the codes, we know the testing procedures, and we know exactly how to document and present damage to get your claim approved. We've helped hundreds of homeowners get brand new roofs, siding, and gutters for nothing more than their deductible.
Storm Damage That Qualifies for Insurance Claims
If your home took a hit from any of these, your insurance likely owes you far more than you think
Hail Damage
Hail is the #1 insurance claim trigger — and the damage is almost always invisible from the ground. Hail bruises shingles, cracks siding, dents gutters, and damages flashing. You can't see it without climbing on the roof, but your adjuster will find it if we document it first. Hail damage almost always qualifies for full replacement, not just repair.
Wind Damage
High winds lift, crack, and tear off shingles — exposing your roof deck to water. Wind also rips siding panels loose and tears gutters away from fascia. Even if only a few shingles blew off, wind damage to the surrounding shingles often means the entire slope — or entire roof — needs replacement. We document wind damage comprehensively to maximize your claim.
Fallen Trees & Debris
Trees and large branches that fall on your home cause obvious, catastrophic damage — but they also cause hidden damage across your entire roof and exterior. A falling tree can shift your roof structure, crack decking you can't see, and damage areas far from the impact zone. These claims often cover complete roof replacement, siding, gutters, and interior damage restoration.
How We Get Your Claim Approved — Even When Insurance Says No
Insurance companies have one goal: pay as little as possible. Their first move is almost always to approve a cheap repair instead of the full replacement you're entitled to. They'll say your roof only needs a few shingles patched, your siding just needs a panel swapped, your gutters just need a section replaced. We know this game — and we know how to win it.
From Storm Damage to Brand New Exterior — Your Timeline
A clear, step-by-step process from first call to finished installation
Inspection (Day 1)
We climb on your roof and inspect your entire exterior — roof, siding, gutters, soffit, fascia, flashing. We document every piece of storm damage with photos, notes, and measurements. You get our honest assessment of what insurance should cover. This is always free.
Claim Filed (Week 1)
We file your claim with a professional documentation package that speaks insurance language. Then we coordinate with your adjuster to schedule an on-site inspection — and we're there in person to walk them through every piece of damage.
Approval & Supplements (Weeks 2–4)
When insurance responds, we review the scope. If they approve replacement — great, we schedule your project. If they try to limit it to repairs, we challenge with ITEL testing and supplements until full replacement is approved. We don't stop until you get what you're owed.
Installation (Weeks 4–6)
Once approved, we install your new roof, siding, and/or gutters — premium materials, professional crew, full cleanup. You pay your deductible, insurance pays the rest, and your home is fully protected with a brand new exterior.
Don't Leave Money on the Table
Your deductible is already set. The only question is whether you collect what your insurance owes you. Get a free inspection and find out.
Why Choose Roof Gutter Now?
Greater Northeast Ohio's trusted insurance claim specialists
We Know the System Inside Out
We know the Xactimate codes adjusters use, the supplement filing procedures that get approved, the ITEL testing protocols that overturn denials, and the internal review processes at major carriers.
We Fight — Not Just File
Any contractor can file a claim. We submit ITEL third-party testing, file detailed supplements with line-item breakdowns, and escalate until the decision is overturned. We don't stop at the first "no."
Full Exterior — One Claim
We don't just do roofs. We document and claim ALL storm damage — roof, siding, gutters, soffit, fascia, flashing. One claim, one deductible, one project.
Frequently Asked Questions
Everything you need to know about filing a storm damage insurance claim
It starts with a free inspection. We climb on your roof and document every piece of storm damage — hail hits, wind damage, missing shingles, damaged siding, dented gutters. We file the claim for you, meet the adjuster on your property, and present our documentation. If insurance approves, we do the work and you pay only your deductible. If they deny or lowball, we fight it with supplements and third-party ITEL testing until you get what you're owed.
In most storm damage cases, you pay only your deductible — typically $1,000 to $2,500. Insurance covers the rest. That means you could get a brand new roof, new siding, and new gutters — a $15,000 to $40,000+ project — for just your deductible. Our inspection and claim filing are always free.
This happens frequently — insurance companies often try to approve a cheap repair instead of the full replacement you're entitled to. When they do, we don't accept it. We submit your materials for independent ITEL third-party testing to prove the damage warrants replacement. ITEL testing results override the insurance company's initial decision in most cases. We know exactly how to file these challenges and get repairs overturned to full replacements.
ITEL (Independent Testing Laboratories) is a third-party materials testing service that insurance companies trust and accept. When insurance says repair instead of replace, we send samples or documentation to ITEL for independent analysis. ITEL determines whether the damaged materials can actually be repaired to manufacturer specifications or require replacement. Their findings carry significant weight with insurance carriers and frequently overturn initial repair-only decisions.
Most policies allow 1–2 years from the date of the storm to file a claim, but this varies by carrier and state. The sooner you file, the better — damage is easier to document when it's fresh, and insurers are more likely to approve claims filed promptly. We recommend calling us for a free inspection within days of any major storm. Call (330) 222-6290 today.
Your New Roof, Siding & Gutters May Already Be Paid For
Stop leaving insurance money on the table. A free inspection takes 30 minutes and tells you exactly what your policy covers — roof, siding, gutters, and more. You have nothing to lose.