Get Your Free Roofing Estimate in Hempstead - R&M Roofers LLC
Three weeks ago, Maria from West Hempstead called us in tears. Hurricane winds had ripped shingles off her roof, but her insurance company was trying to deny the claim, saying the damage was from “normal wear and tear.” We documented everything properly, met with the adjuster, and got her a $18,000 settlement that covered a complete roof replacement. Maria went from potentially losing her house to having a brand new roof – that’s what proper insurance claim assistance can do.
I’m Mike from R&M Roofers LLC, and my partner Rob and I have helped hundreds of Hempstead homeowners navigate insurance claims for roof damage since 2018. We work with every major insurance company in Nassau County, and we know exactly how to document damage, present claims, and get the maximum payout you deserve.
Why You Need Professional Help with Roof Damage Insurance Claims
Most homeowners think filing an insurance claim is simple – just call your company and they’ll pay for repairs, right? Wrong. Insurance companies employ adjusters whose job is to minimize payouts. They look for any excuse to deny claims or reduce settlements. Without proper documentation and presentation, you could lose thousands of dollars or get your claim denied completely.
We learned this the hard way back in 2019 when Hurricane Dorian hit Long Island. Dozens of homeowners called us after their insurance companies denied legitimate claims. The damage was real, but the documentation was wrong. Photos taken from ground level, missing measurements, improper terminology – small mistakes that cost people their settlements.
Now we handle insurance claim assistance from day one. We document damage properly, speak the adjuster’s language, and present claims in the format insurance companies expect. Our customers get approved at a 95% rate compared to about 60% for people who file claims themselves.
The key is understanding what insurance companies look for. They want specific documentation, proper terminology, and evidence that damage was caused by a covered event, not normal wear and tear. We know exactly how to present this information because we work with adjusters every week.
Roofing Contractor Services That Support Your Insurance Claim
Roof Repair after storm damage starts with emergency tarping to prevent further damage. Insurance companies require you to mitigate additional damage, or they’ll reduce your settlement. We document the original damage first, then make temporary repairs while your claim is processed. All emergency work gets included in your claim documentation.
Roof Replacement often becomes necessary when repair costs exceed 50% of replacement value. Insurance companies prefer to replace entire roofs rather than patch damaged sections. We prepare detailed estimates that show why replacement is more cost-effective than repeated repairs. Our documentation helps adjusters justify full replacement approvals.
Commercial Roofing claims get complicated because business interruption coverage might apply. We document how roof damage affects your business operations and coordinate with your commercial adjuster. Property damage and business interruption claims often need separate documentation and presentation.
Storm Damage Repair requires immediate response to preserve evidence. Wind damage, hail damage, ice dam damage – each type needs specific documentation techniques. We photograph everything from multiple angles, measure damaged areas, and collect weather data that supports your claim timeline.
Gutter Installation often gets overlooked in insurance claims, but damaged gutters can cause foundation problems if not repaired quickly. We document gutter damage separately and include it in your overall claim. Gutters, downspouts, and fascia boards are all covered under most policies when damaged by storms.
Emergency Tarping protects your home from additional damage while insurance claims are processed. Insurance companies require prompt mitigation, and tarping costs are usually reimbursable. We document the need for emergency protection and include tarping costs in your claim.
Real Insurance Claim Experience Throughout Hempstead
We’ve handled roof damage insurance claims in every neighborhood across Hempstead, Garden City, West Hempstead, and Uniondale. Each area has different challenges, but proper claim assistance works everywhere.
The older colonial homes near Eisenhower Park often have multiple roof levels and complex flashing systems. When these roofs get damaged, adjusters sometimes try to claim pre-existing problems. We photograph everything before repairs and show clear evidence of storm damage versus normal wear.
Garden City homeowners usually have higher-value homes with premium roofing materials. Insurance companies pay more for architectural shingles, slate repairs, or cedar shake replacement, but you have to document the existing materials properly. We know how to photograph and describe premium materials so adjusters approve appropriate replacements.
West Hempstead deals with lots of wind damage due to the flat terrain and exposure to ocean storms. Wind damage can be subtle – lifted shingles that don’t blow off completely, loosened flashing, damaged ventilation systems. Adjusters miss these problems unless they’re documented properly.
Uniondale sees frequent hail damage during spring and summer thunderstorms. Hail damage looks different on different materials – impact marks on shingles, dents in gutters, damaged vents and flashing. We know exactly what to photograph and how to measure hail impact damage for insurance documentation.
Salt air from the Atlantic Ocean accelerates roof deterioration here on Long Island. Insurance companies try to blame salt damage for storm-related problems. We document the difference between gradual salt corrosion and sudden storm damage so adjusters can’t use salt air as an excuse to deny claims.
How We Handle Insurance Claims From Start to Finish
Initial Documentation happens within 24 hours of storm damage when possible. We photograph all damage from multiple angles, measure affected areas, and document pre-existing conditions. Early documentation prevents insurance companies from claiming damage was pre-existing.
Adjuster Meetings are where claims get approved or denied. We meet with adjusters on-site, walk them through all damage, and provide detailed explanations in language they understand. Most homeowners don’t know how to communicate with adjusters – they miss damage or explain things wrong.
Estimate Preparation requires specific formatting and terminology that insurance companies expect. We prepare detailed line-item estimates using industry-standard pricing databases. Adjusters know our estimates are accurate and reasonable because we use the same pricing systems they do.
Supplemental Claims become necessary when additional damage gets discovered during repairs. Hidden damage under shingles, structural problems, code upgrade requirements – these items weren’t visible during initial inspections. We document supplemental damage properly and get additional approvals.
Final Invoicing and payment coordination happens after repairs are completed. We work directly with insurance companies on final settlements and handle all paperwork. You don’t have to chase payments or argue about coverage – we handle everything.
Dispute Resolution sometimes becomes necessary when insurance companies deny legitimate claims or offer inadequate settlements. We know how to appeal denials, request re-inspections, and escalate disputes through proper channels.
Common Insurance Claim Problems We Help You Avoid
Inadequate Documentation causes more claim denials than any other factor. Blurry photos, missing measurements, poor lighting, wrong angles – these mistakes give adjusters excuses to deny claims. We use professional cameras and document everything properly the first time.
Wrong Terminology confuses adjusters and delays approvals. Insurance companies use specific terms for different types of damage. “Wind lift” versus “blow-off,” “impact damage” versus “wear and tear” – using correct terminology speeds up approvals and prevents misunderstandings.
Missing Deadlines can void your coverage completely. Most policies require prompt notification of damage and completion of repairs within specific timeframes. We track all deadlines and make sure everything gets filed properly and on time.
Inadequate Settlements happen when homeowners accept the first offer without understanding their full coverage. We review all policy details and make sure you get everything you’re entitled to under your coverage limits.
Code Upgrade Issues arise when repairs must meet current building codes that didn’t exist when your roof was originally installed. Some policies cover code upgrades, others don’t. We identify code requirements early and document coverage properly.
Depreciation Problems occur when insurance companies pay actual cash value instead of replacement cost. We help you understand your coverage type and make sure you get full replacement value when that’s what you’re paying for.
Working with Different Insurance Companies
State Farm adjusters are generally reasonable to work with, but they’re thorough about documentation. They want detailed photos and measurements. Their supplement process is straightforward when additional damage gets discovered during repairs.
Allstate tends to be conservative on initial settlements but approves supplements readily when damage is documented properly. They prefer detailed line-item estimates and don’t like lump-sum pricing.
GEICO uses mostly independent adjusters who vary in experience and approach. Some are great to work with, others need more guidance. We adapt our presentation based on the individual adjuster’s preferences and experience level.
Farmers adjusters are usually experienced and knowledgeable. They appreciate detailed documentation and technical explanations. Their claims process moves quickly when paperwork is submitted correctly.
Liberty Mutual can be challenging on complex claims, but they’re fair when damage is well-documented. They often require multiple estimates for comparison shopping.
USAA serves military families and tends to be very fair with legitimate claims. Their adjusters are usually experienced and professional. Claims processing is typically faster than average.
What Makes R&M Roofers Different for Insurance Claims
We live here in Nassau County and work with local adjusters every week. Rob’s family is in Garden City, mine’s in West Hempstead. We know the adjusters, understand their preferences, and speak their language. This local knowledge gets better results for our customers.
We document everything with professional equipment and techniques. Our photos, measurements, and reports look professional because they are professional. Adjusters take our documentation seriously because it’s presented properly.
We don’t charge upfront fees for insurance claim assistance. Our services are included when you hire us for repairs. If your claim gets denied and we can’t help get it approved, you don’t pay anything extra.
All our estimates use industry-standard pricing from Xactimate, the same software most insurance companies use. There’s no arguing about prices because adjusters recognize our pricing is fair and accurate.
We guarantee our work for five years beyond any insurance coverage. If problems develop after repairs are completed, we come back and fix them at no charge. That’s our promise to every customer.
Getting Insurance Claim Assistance Started
Emergency response is available 24/7 for storm damage. Call us immediately after damage occurs and we’ll document everything properly before conditions change. Early documentation prevents claim disputes later.
Free claim evaluations include complete damage assessment and explanation of your coverage options. We review your policy details and explain what’s covered versus what’s not. No surprises or hidden costs.
We handle all communication with your insurance company once you authorize us to represent you. You don’t have to deal with adjusters, file paperwork, or chase payments. We manage the entire process from start to finish.
Most insurance claim repairs in Hempstead take 1-3 weeks depending on damage extent and weather conditions. We coordinate timing with your adjuster’s schedule and keep you informed throughout the process.
Payment comes directly from your insurance company in most cases. We can arrange financing for your deductible if needed. You’re not out-of-pocket for covered repairs.
Storm damage to your roof? Don’t fight the insurance company alone. Call R&M Roofers LLC at [phone number] for immediate insurance claim assistance. We’ll document your damage properly, work with your adjuster, and get you the settlement you deserve. Free evaluations available 24/7.