After a hail or wind storm, a lot of owners think the insurance company decides who fixes the roof. It doesn't. Here's how it really works, in plain English.
Your insurance company does not get to choose your roofer. Their job is to inspect the damage through an adjuster, decide what your policy covers, and pay for those covered repairs. Who does the work is your decision.
Some carriers will hand you a list of "preferred" or "network" contractors. That list is a suggestion. You don't have to use anyone on it, and many states have rules that bar insurers from requiring a specific repair company.
What matters to your insurer is the scope and cost of the repair, not the name on the truck. A good roofer documents the damage, writes a clear repair scope, and can back up every line of it to your adjuster.
Have a trained inspector check the whole roof system before you file.
Call your insurance company and report the storm date.
Your roofer can be on the roof with the adjuster to show the damage.
Choose who you trust, review the scope, and sign.
Work gets done, final paperwork goes to your insurer.
A carrier's contractor list is a convenience. Saying "no thanks" does not hurt your claim.
If your roofer's scope differs from the adjuster's estimate, it's handled with photos, measurements and line items, not by switching roofers.
Be wary of anyone who offers to "cover" or "waive" your deductible. It's illegal in some states and can put your claim at risk.
Insurance checks often name your lender too. That's normal and doesn't change who you can hire.
A small number of policies give the insurer an option to handle repairs. If yours does, it will say so in writing.
Check that the roofer is licensed, insured, and will still answer the phone after the trucks leave town.
We're a team of roofing experts working with our roofing partners, Precision Construction and River City Roofing. We take the time to document storm damage the right way, show it to anyone who asks. Construction is performed by licensed Approved Contractors, and you get our full attention from the first inspection through the project.
SkyView is not a contractor, public adjuster or law firm. You stay in charge of your claim. We inspect, document and write the repair scope, and licensed Approved Contractors do the construction.
Tell us how to reach you. Prefer to skip the form? Call, text or email us directly.
No damage found? We'll give you a Clearance Certificate to keep on file for your insurance and future storm claims.
Generally, no. Your insurer pays for covered damage under your policy no matter who you hire. If your roofer's price is different from the adjuster's estimate, the difference is worked out with documentation.
Yes. Getting paid doesn't lock you into any contractor. Have your roofer review the adjuster's estimate so nothing on your roof gets missed before the work starts.
Yes, and it helps. Having your roofer on the roof during the adjuster's inspection means the damage gets pointed out and documented the same day.
Most policies don't require multiple bids, but your adjuster may ask for your contractor's estimate. Check your policy or ask your adjuster if you're not sure.
