Roof Insurance Claim Help in Lincoln Park, Michigan
Written by Scott • Lincoln Park Roofing • Last updated December 20, 2025
Wind and hail can damage shingles, flashing, and vents—often without obvious leaks at first. The hardest part is usually the insurance process: documenting damage, meeting the adjuster, and making sure the scope covers what your roof actually needs. We take the stress out of it with a clear, step-by-step approach.
At-a-Glance: What Happens Next
We handle
- Storm-damage inspection + roof measurements
- Photo documentation and a clear damage report
- Estimate & scope review (so nothing important is missed)
- Adjuster meeting coordination (we can be there on-site)
- Supplements when needed to match real repair requirements
- Installation + closeout paperwork
You do
- Call or text to schedule a free inspection
- Open the claim with your carrier (we’ll guide you on what to say)
- Be available for the adjuster appointment
- Approve shingle color/material choices
- Pay your deductible per your policy
Typical timeline
- Inspection: same/next day in many cases
- Adjuster visit: often within 3–10 days (varies by carrier)
- Approval: commonly 1–3 weeks depending on paperwork
- Install: typically 1 day once scheduled
- Final docs: sent right after completion
What’s Included With Our Roofing Insurance Claim Support
- Full tear-off (when needed) + thorough cleanup
- Decking inspection + replacement of damaged wood
- Ice & water shield in key leak-prone areas
- Synthetic underlayment + proper drip edge
- Flashing installed the right way (chimneys, walls, valleys)
- Ventilation to reduce heat + moisture buildup
Real project photo. Swap this image per page if you want a specific service/city example.
The Insurance Claim Process (Step-by-Step)
Step 1: Free storm-damage inspection
We check shingles, flashing, vents, and soft spots, then take clear photos and measurements.
Step 2: Documentation you can send to your carrier
You’ll get a straightforward damage summary and estimate so the claim starts on solid footing.
Step 3: Adjuster meeting coordination
When the adjuster visits, we can meet on-site to point out damage and answer scope questions.
Step 4: Scope review + supplements if needed
If the initial scope misses items your roof needs (starter, drip edge, ventilation, code items), we help request a supplement.
Step 5: Schedule & complete the work
We protect your property, complete the approved work efficiently, and keep the jobsite clean.
Step 6: Final walkthrough + closeout paperwork
We confirm everything looks right and provide any completion documents needed to close the claim.
Quick Definitions (So the Paperwork Makes Sense)
Here are the terms homeowners ask us about most during storm-damage claims:
ACV vs. RCV
ACV (Actual Cash Value) pays depreciation up front. RCV (Replacement Cost Value) releases the remaining amount after work is completed.
Deductible
Your policy deductible is typically your responsibility. A reputable contractor won’t promise to “waive” it.
Depreciation
The portion withheld based on roof age/condition. It may be recoverable under RCV policies after completion.
Supplement
A request to update the scope/price when the initial approval misses required items or code-related work.
Ordinance & Law
Coverage that can help pay for required code upgrades (varies by policy).
Scope of work
The itemized list of materials and labor the carrier approved. We review this to make sure it matches what your roof needs.
When to Call Us
Good reasons to schedule an inspection
- Missing, lifted, or creased shingles after wind
- Hail impacts, bruising, or granules in gutters
- Leaks, ceiling stains, or wet attic insulation
- Flashing damage around chimneys/vents
- Tree limb impact or storm debris
What you’ll get from us
- Clear photos and an inspection summary
- Honest guidance: repair vs. replacement
- Help coordinating the adjuster visit
- Scope review to reduce surprises
- Fast scheduling and clean workmanship
Serving Lincoln Park and nearby Downriver communities. Call or text now to schedule a free storm-damage inspection.
Get a quote from a real local roofer
Call today and we’ll schedule your free estimate in Lincoln Park.
