APAK | Insurance Claim Help

The Reality of Roof Claims

Most homeowners don't know what they're up against

90%

of claims are underpaid

Insurance industry insiders confirm most claims are shorted by 20-30%

67%

of denials overturned

When proper documentation is provided on appeal

$4,200

average additional recovery

When an independent inspection supports the claim

How I Help With Your Claim

I don't sell repairsβ€”I provide the evidence you need

πŸ“Έ

Complete Documentation

High-resolution photos of every damaged area, date-stamped and organized for claim submission.

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Damage Assessment

Hail size estimation, impact density mapping, and severity classification that insurers respect.

🀝

Adjuster Support

I'll meet your adjuster on-site to point out damage they might miss and ensure nothing is overlooked.

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Insurance-Ready Report

Formatted specifically for claim submission with all the elements adjusters look for.

The Claim Support Process

1

Inspection & Documentation

I perform a complete drone inspection of your roof, capturing high-resolution photos and thermal imagery (if applicable) of all damage. You receive a comprehensive report within 24-48 hours.

2

File Your Claim

With my report in hand, you contact your insurance company to open a claim. You'll have date-stamped evidence, clear photos, and professional documentation from day one.

3

Adjuster Meeting (Optional)

When the insurance adjuster comes to inspect, I can be there. I'll walk the property with them (from the ground) and point out every area of documented damage to ensure nothing gets missed.

4

Claim Resolution

If your claim is underpaid or denied, I can provide supplemental documentation for your appeal. My photos and report serve as evidence of what the adjuster may have overlooked.

What to Document After a Storm

Use this checklist to make sure you capture everything

πŸ“Έ Exterior Photos
  • Wide shots of all roof elevations
  • Close-ups of dented gutters/downspouts
  • Damaged or missing shingles
  • Granules in gutters or on ground
  • Dented vents, skylights, or flashing
  • Hail next to a ruler or coin for scale
🏠 Interior Photos
  • Water stains on ceilings or walls
  • Active leaks (place bucket, then photo)
  • Attic photos showing decking stains
  • Light visible through roof deck
  • Moisture or mold growth
πŸ“‹ Documentation
  • Screenshots of weather alerts with date
  • Receipts for temporary repairs
  • Your insurance policy declarations page
  • Notes from conversations with insurer
  • Adjuster's name and contact info
🚁 Professional Inspection
  • Drone photos of all roof sections
  • Thermal imagery (moisture detection)
  • Annotated problem areas
  • Executive summary of findings
  • Date-stamped evidence for adjuster

Insurance Terms You Need to Know

RCV
Replacement Cost Value β€” pays full cost to replace your roof with like materials. You get ACV first, then the difference after repairs.
ACV
Actual Cash Value β€” pays depreciated value based on roof age. A 20-year-old roof gets pennies on the dollar.
Deductible
Amount you pay before insurance kicks in. Often 1-2% of dwelling coverage in Texas.
Recoverable Depreciation
The difference between ACV and RCV, paid after you complete repairs.
Code Upgrade
Coverage for bringing roof up to current building codes. Critical for older homes.
Supplement
Additional payment after initial settlement when hidden damage is discovered during repairs.

What's Included in Claim Support

πŸ“Έ

Damage Photos

Every impacted area documented from multiple angles with high-resolution drone imagery.

πŸ“

Impact Assessment

Hail size estimation, damage severity classification, and affected area mapping.

🌑️

Thermal Available

Hidden moisture detection using 640x512 radiometric thermal sensors.

πŸ“„

Insurance Report

Formatted specifically for claim submission with date-stamped evidence.

🀝

Adjuster Meeting

On-site support when your adjuster arrives to ensure nothing is overlooked.

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Appeal Support

Supplemental documentation if your claim is underpaid or denied.

Claim Support Pricing

Insurance Claim Packet

$99

Add to any inspection

  • βœ“ Insurance-ready report formatting
  • βœ“ Date-stamped evidence organization
  • βœ“ Claim submission checklist
  • βœ“ Adjuster meeting availability
Add to Inspection β†’

Already had an inspection? Claim packet can be added retroactively.

Pro Tips for Maximizing Your Claim

  • Never accept the first offer without review. Initial settlements are often low. Get a second opinion.
  • Document before cleanup. Don't repair or clean up until you've photographed everything.
  • Get everything in writing. Verbal promises from adjusters mean nothing. Request email confirmation.
  • Know your policy's deadline. Most require filing within one year of the storm. Don't wait.
  • Keep receipts for temporary repairs. Tarps, buckets, and emergency services are reimbursable.
  • Don't sign anything from a contractor until your claim is approved. Avoid assignment of benefits traps.

Frequently Asked Questions

Should I file a claim or pay out of pocket?

Get an inspection first. If damage exceeds your deductible by 2-3x, filing usually makes sense. I'll help you assess.

What if my claim is denied?

Don't accept it. Request a re-inspection and provide my documentation. Many denials are overturned with proper evidence.

Can you meet my adjuster?

Yes. I'm available to be on-site when your adjuster arrives to ensure all documented damage is noted.

Does insurance cover drone inspections?

The inspection fee is paid by you. But if damage is found, my documentation helps ensure your claim is accurate.

How long do I have to file?

Most policies require filing within one year of the storm. Texas law provides additional protectionsβ€”consult your policy.

What if the adjuster missed damage?

This is common. I can provide a supplemental report comparing my findings to the adjuster's assessment for appeal.

Don't Leave Money on the Table

Most claims are underpaid because homeowners lack proper documentation. Get the evidence you need.