Storm Damage & Insurance Claims

No — by New Mexico law, only the policyholder (you) or a licensed public adjuster can file and negotiate an insurance claim. We're a licensed roofing contractor, not a public adjuster. What we do is make the claim process easier: we inspect the roof for free, document any storm damage with photos and measurements you can attach to your claim, meet your insurance adjuster on the roof, and then execute the work your insurance approves.

As soon as it's safe. Most insurance policies have a window — often one year from the date of loss — to file storm-damage claims. The fresher the damage, the easier it is for an adjuster to attribute it to a specific storm event. During monsoon hail season (July–September), call as soon as you see dings on gutters, A/C condenser fins, or paint, downed branches, or shingle granules in your driveway.

We walk the roof and document anything that looks like hail or wind impact — bruised or cracked shingles, lifted tabs, damaged ridge caps, dented vent boots and flashing, granule loss in valleys, and damage to skylights, satellite mounts, and rooftop equipment. We provide you with dated photos and measurements. You decide whether to file a claim — there's no pressure either way.

Yes. When you schedule your adjuster's inspection, we'll meet them on-site, walk the roof together, and point out the documented damage. Having a contractor present during the adjuster visit often results in a more complete scope of work — items missed at first inspection can be flagged on the spot.

This happens. If we find additional damage during tear-off (e.g., decking deterioration hidden under shingles, or items the adjuster didn't include), we document it with photos and provide you with a supplemental estimate. You then file a supplemental claim with your insurance — they review and decide. We don't negotiate the coverage; we provide the documentation you and your carrier need.

It depends on your specific deductible vs. the damage estimate. We can give you a free repair-cost estimate before you file, so you can compare it to your deductible and make an informed decision. For hail or wind damage that exceeds your deductible by a meaningful amount, filing is usually worthwhile. Some policies have separate higher "wind/hail" deductibles — check your declarations page.

No. Coverage decisions are made entirely by your insurance carrier based on your policy, the documented damage, and their underwriting. We can document the damage thoroughly and meet your adjuster, but we have no control over the outcome — and any contractor who promises a specific claim result should be treated with skepticism.