Storm damage, wind damage, hail, fallen trees. Gary handles the documentation, meets your adjuster, and fights for the full amount your policy allows. You focus on your family.
Filing a roofing insurance claim is not like filing a car insurance claim. The process is slower, the language is more technical, and adjusters are trained to minimize payouts. After 35 years of working alongside homeowners through hundreds of claims, Gary knows exactly what documentation insurance companies require, what language triggers approvals, and how to identify damage that adjusters routinely overlook.
Thompson Roofing does not charge anything extra for insurance claim assistance. When your roof is damaged and your policy covers it, Gary handles the documentation, meets the adjuster on your roof, and makes sure the scope of work reflects the actual damage, not a minimized version of it. If the adjuster's initial estimate falls short, Gary files supplemental claims with the evidence to back them up.
After storm damage or any covered event, the first step is a professional roof inspection. Gary documents every area of damage with high-resolution photos, measurements, and a written assessment using the same terminology and pricing that insurance companies recognize. This documentation becomes the foundation of your claim. When your adjuster schedules an inspection, Gary meets them on the roof and walks every damaged area to make sure nothing is missed.
Insurance adjusters inspect dozens of roofs every week. They are not trying to cheat you, but they are under pressure to close files quickly and within budget. When Gary meets your adjuster, he provides a professional, itemized scope that makes their job easier while ensuring nothing is left out. He points out wind creases in shingles that are invisible from the ground, identifies hail strikes that an untrained eye misses, and documents water damage pathways that explain interior stains.
Initial insurance estimates frequently miss items. Once tear-off begins and hidden damage is revealed, Gary documents it immediately and files a supplement with your carrier. Rotted decking under damaged shingles, deteriorated underlayment, damaged flashing that was not visible before removal. These supplemental claims recover costs that would otherwise come out of your pocket. Gary has successfully filed supplements that have increased claim values significantly.
Standard homeowner's policies generally cover sudden and accidental damage from wind, hail, fallen trees, fire, and certain water events. They typically do not cover normal wear and tear, deferred maintenance, or gradual deterioration. Gary will be straightforward about what is likely covered versus what your insurance company will classify as maintenance. If a claim is not worth filing, he will tell you that before you start the process.
Your deductible is the portion you pay before insurance covers the rest. On most California homeowner's policies, the deductible is a fixed dollar amount. Some wind and hail policies use a percentage-based deductible instead. Gary explains how your specific deductible applies to your claim so there are no surprises when the work begins. Thompson Roofing will never ask you to waive or absorb your deductible, which is illegal in California.
From the first phone call to final repair, Gary manages every step so you do not have to.
Gary inspects your entire roof and documents all storm or event damage with detailed photos and measurements. He gives you an honest assessment of whether a claim is worth filing before you contact your carrier.
Once you file, Gary prepares a professional scope of work in Xactimate format that matches your insurance company's pricing system. This documentation makes the adjuster's job easier and reduces back-and-forth delays.
Gary meets your adjuster on the roof, walks every area of damage, and ensures nothing is overlooked. He speaks the adjuster's language and presents evidence that supports the full scope of necessary repairs.
Once approved, we begin repairs. If hidden damage surfaces during tear-off, Gary documents it immediately and files a supplement. You get the full repair your roof needs, not a partial fix that leaves problems behind.
Some roofers charge consulting fees for insurance work. Thompson Roofing does not. Claim assistance is part of the job. If your roof is damaged and covered, Gary handles the paperwork and adjuster meetings at no additional cost.
Not every roof issue is a legitimate insurance claim. Gary tells you the truth. If your damage is wear and tear that insurance will deny, he says so before you waste time filing. If it is a real claim, he gives you the documentation to prove it.
Initial adjuster estimates frequently miss hidden damage. Gary has filed hundreds of successful supplemental claims that recovered additional funds for rotted decking, damaged underlayment, and code-required upgrades discovered during tear-off.
Documentation, adjuster meetings, supplements. You deal with your family. Gary deals with your claim.
Call Gary directly or fill out the form. He will inspect your roof, tell you honestly whether a claim makes sense, and handle the entire process if it does.
