Should I call a roofer or my insurance company first after a storm?
If the home is unsafe or actively leaking, protect it first and follow your policy's notice requirements. A prompt roof inspection can document the condition and help you understand the likely roofing scope, while only the insurer can decide coverage.
Can Raptor Roofing tell me whether insurance will pay for my roof?
No contractor can make that coverage decision. Raptor can inspect the roof, photograph visible conditions, explain repair or replacement scope, and provide a roofing estimate. Your insurer and policy determine coverage and payment.
Does storm damage always mean I should file a claim?
No. The right decision depends on the cause and scope of damage, the likely repair cost, your deductible, roof age, and policy terms. An inspection can give you better facts before you decide.
What is the difference between ACV and RCV on a roof claim?
Actual cash value generally reflects replacement cost minus depreciation. Replacement cost value generally reflects the cost to repair or replace with similar materials without subtracting depreciation, subject to the policy, deductible, limits, and claim process.
Should I make repairs before the insurance adjuster sees the roof?
Take reasonable temporary steps needed to prevent further damage, keep receipts, and document conditions. Indiana's Department of Insurance advises homeowners not to make permanent repairs before the insurer's inspection unless the carrier directs otherwise.
What can Raptor document during a roof inspection?
Raptor can document visible roof slopes, shingles, ridge caps, flashing, vents, gutters, soft metals, storm patterns, leak clues, and the roofing work that appears necessary. Coverage interpretation remains with the insurer or a properly licensed insurance professional.
