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Storm Damage & Insurance Claims

Your insurer has an adjuster. You have us.

Hail, wind, snow-load, and monsoon claims are where homeowners get shortchanged — patched when they're owed a replacement, paid for yesterday's code instead of today's. From Utah County to the Valley, we document the damage, meet the adjuster on your roof, and push for a properly funded, code-compliant scope.

Free Storm Damage Inspection(801) 515-5597
Roof inspection crew documenting roof conditions
★★★★★ 4.9 on Google 183 review stand-inLicensed & insured — Utah Lic. #14291571-5501Workmanship warranty on every jobInsurance-claim specialists

The process

From storm to finished roof, in five steps

  1. 1

    Free inspection & documentation

    We walk the roof, chalk-mark and photograph every hail hit and wind crease, and write it up in the format adjusters expect. You get the full report either way.

  2. 2

    You file the claim — informed

    You call your insurer. You already know what the damage is and what the scope should include, because it's in your hands.

  3. 3

    We meet the adjuster on your roof

    We make sure your roof gets a fair look — walking the adjuster hit by hit through the documentation so nothing gets missed or minimized.

  4. 4

    Code-compliant scope, properly funded

    Building code has moved since your roof was installed. We make sure code-upgrade coverage is in your scope.

  5. 5

    We build it

    Same crew, same standards as every roof we install. You pay your deductible, insurance funds the rest of the approved scope.

Homeowner education

Know these terms before you file

ACV vs. RCV — which policy do I have?
RCV (Replacement Cost Value) pays what it costs to replace your roof today. ACV (Actual Cash Value) pays replacement cost minus depreciation — on a 15-year-old roof, that difference is thousands of dollars. Check your declarations page, or bring it to your free inspection and we'll read it with you.
Do I have to pay my deductible?
Yes. In Utah and Arizona alike, a contractor offering to “waive” or “absorb” your deductible is committing insurance fraud — and a contractor who'll cut that corner will cut others. We'll tell you your out-of-pocket number upfront, and it won't change.
What is code-upgrade (ordinance & law) coverage?
Building code changes over time. If your policy includes ordinance & law coverage, your insurer pays the extra cost of rebuilding to current code — ice-and-water shield, proper ventilation, drip edge — not the code from when your roof was installed. Many adjusters won't volunteer this. We put it in the scope.
Will filing a claim raise my rates?
Weather claims are “acts of God” and in most cases aren't rated against you personally, but insurers do adjust regional pricing after big storm years. What we can tell you honestly: unrepaired storm damage costs more than any premium change when it becomes a leak, and claims have filing deadlines — often one year from the storm date.
How long do I have to file after a storm?
Most policies give you around one year from the date of loss, and some less. If a storm hit your area months ago and you never had the roof looked at, get a free inspection now — documentation dated before the deadline is what keeps your options open.

Recent storm in Utah County or the Valley?

Get your roof documented while the damage is fresh and the filing window is open. Free, photographed, no obligation to file.

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