Storm Damage & Insurance Claims
Noble Roofing Company specializes in helping Owensboro homeowners navigate the insurance claims process. We guarantee you'll only pay your deductible—nothing more.
Insurance Adjusters Work for the Insurance Company, Not You
After a storm, your insurance company sends an adjuster to assess the damage. But here's what most homeowners don't know: that adjuster's job is to minimize what the insurance company pays out.
They often miss critical damage, undervalue repairs, or use depreciation tactics to reduce your claim. The result? You're left with a check that doesn't cover the actual cost of proper repairs.
On average, initial insurance estimates are 30-40% lower than the actual cost of quality roof replacement.
We're Experts at "Supplementing" Your Claim
Supplementing is the process of documenting additional damage and necessary repairs that the insurance adjuster missed or undervalued. This is where our expertise makes all the difference.
Comprehensive Documentation
We photograph and measure every inch of damage with professional-grade equipment and detailed reports.
Expert Supplement Writing
We prepare detailed supplement requests using industry-standard pricing and code requirements.
Direct Adjuster Negotiation
We meet with your adjuster on-site and advocate for full coverage of all necessary repairs.
Our Guarantee:
If we can't get your insurance to cover the full cost of repairs, you don't pay the difference. You only pay your deductible.
How the Process Works
From storm damage to approved claim in 5 steps
Free Inspection & Documentation
We inspect your roof and document all storm damage with photos, measurements, and detailed notes.
File Your Insurance Claim
We help you file your claim with your insurance company and provide all necessary documentation.
Meet the Adjuster
We meet your insurance adjuster on-site to ensure they see all damage and understand the scope of repairs needed.
Supplement for Full Coverage
If the initial estimate is too low, we prepare and submit a detailed supplement to get full coverage approved.
Expert Installation
Once approved, we install your premium roof using top-quality materials. You only pay your deductible.
Insurance Claims FAQ
Will filing a claim raise my insurance rates?
Storm damage claims are typically considered "no-fault" claims and should not raise your rates. However, we recommend checking with your insurance agent about your specific policy.
What if my insurance denies my claim?
We have extensive experience appealing denied claims. We'll review the denial reason, gather additional evidence, and work with you to file an appeal. Many initially denied claims are approved on appeal.
How long does the claims process take?
Most claims are resolved within 2-4 weeks. Complex claims or those requiring supplements may take 4-6 weeks. We keep you informed every step of the way.
Do I have to use the contractor my insurance recommends?
No. You have the right to choose your own contractor. Insurance companies may suggest contractors, but the choice is always yours.
What is Recoverable Depreciation?
Most policies pay Actual Cash Value (ACV) initially, which deducts depreciation. Once repairs are complete, you can recover the depreciation amount. We handle this entire process for you.
Ready to Get Your Claim Approved?
Don't settle for less than you deserve. Let our experts fight for your full coverage.
Call Now for Free Consultation