We Handle Your Roof Insurance Claim
Storm damage? Don't navigate insurance alone. We document damage, meet with adjusters, and maximize your claim. No upfront costs.
How Pro-Tec Helps with Insurance Claims
We've helped hundreds of Phoenix homeowners successfully file claims and get the roof repairs they need.
Free Storm Damage Inspection
We inspect your roof at no charge and document all damage with high-resolution photos and detailed notes.
- ✓Complete exterior and interior inspection
- ✓Photo documentation from multiple angles
- ✓Detailed damage report for your records
Insurance Documentation Package
We prepare comprehensive documentation that insurance adjusters need to approve your claim.
- ✓Detailed scope of work and measurements
- ✓Industry-standard repair cost estimates
- ✓Before photos showing extent of damage
Meet with Insurance Adjuster
We coordinate with your adjuster and attend the inspection to ensure nothing is missed.
- ✓Schedule and attend adjuster meeting
- ✓Point out all damage areas
- ✓Answer technical roofing questions
Review & Supplement Claims
If the initial estimate is too low, we file supplements with additional documentation.
- ✓Review insurance estimate line by line
- ✓Identify missed or undervalued items
- ✓Submit supplemental claims with evidence
Complete the Repairs
Once approved, we handle all repairs with quality materials and expert workmanship.
- ✓Match or upgrade roofing materials
- ✓Complete work per approved scope
- ✓Provide warranty documentation
Types of Storm Damage We Document
Phoenix monsoons and severe weather can cause various types of roof damage
Wind Damage
- •Missing or blown-off shingles
- •Lifted or creased shingles
- •Damaged flashing
- •Debris impact marks
Hail Damage
- •Dents or bruises on shingles
- •Granule loss exposing asphalt
- •Cracked or broken shingles
- •Damaged vents and flashing
Water Damage
- •Interior ceiling stains
- •Attic moisture or mold
- •Damaged insulation
- •Rotting roof decking
UV/Heat Damage
- •Excessive granule loss
- •Curled or cupped shingles
- •Cracked shingle edges
- •Faded or discolored areas
Debris Impact
- •Punctures or tears
- •Broken or dislodged shingles
- •Damaged gutters or flashing
- •Structural indentations
Age-Related Wear
- •Widespread shingle deterioration
- •Multiple leak points
- •Significant granule loss
- •Compromised integrity
What Does Homeowners Insurance Typically Cover?
Usually Covered
- ✓Wind damage (including monsoons)
- ✓Hail damage
- ✓Fire or smoke damage
- ✓Falling objects (trees, debris)
- ✓Weight of snow or ice
- ✓Sudden accidental damage
- ✓Vandalism
- ✓Lightning strikes
Usually NOT Covered
- ✗Normal wear and tear
- ✗Poor maintenance
- ✗Gradual deterioration
- ✗Cosmetic damage
- ✗Pre-existing conditions
- ✗Improper installation
- ✗Earthquake damage (needs rider)
- ✗Flood damage (needs separate policy)
Important: Every insurance policy is different. We review your specific coverage and help you understand what's included. We work with all major insurance companies in Arizona.
Common Insurance Claim Mistakes to Avoid
❌ Mistake #1: Waiting Too Long to File
Most policies require claims within 1 year. Evidence deteriorates over time.
We inspect and document damage immediately after storms.
❌ Mistake #2: Not Documenting All Damage
Adjusters only pay for what's documented. Hidden damage gets missed.
Our 25-point inspection catches everything, including interior damage.
❌ Mistake #3: Accepting First Estimate Without Review
Initial estimates often miss items or use incorrect pricing.
We review every line item and file supplements when needed.
❌ Mistake #4: Making Repairs Before Inspection
Emergency tarps are OK, but permanent repairs destroy evidence.
We provide emergency tarping while preserving damage for adjusters.
❌ Mistake #5: Not Meeting with the Adjuster
Adjusters work fast. Without an expert present, damage gets missed.
We attend adjuster meetings and ensure thorough inspections.
❌ Mistake #6: Signing Away Claim Rights
Some contractors want you to assign benefits or sign contracts early.
We never pressure you. You stay in control of your claim.
Insurance Claim FAQs
Do you charge for insurance claim assistance?
No. Our inspection and claim documentation are FREE. We only get paid if your claim is approved and you choose us for the repairs. No upfront costs, no obligations.
Will filing a claim raise my insurance rates?
Maybe, but often only slightly. In Arizona, storm damage claims typically have minimal impact on rates. The cost of NOT fixing your roof is usually much higher than any potential rate increase.
What if my claim is denied?
We help you understand why it was denied and, if appropriate, file an appeal with additional documentation. Some denials can be overturned with better evidence.
Do I have to use my insurance deductible?
Yes, deductibles are required by law in insurance-covered repairs. Be wary of contractors who offer to "waive" or "cover" your deductible - this is insurance fraud.
How long does the claim process take?
Typically 2-6 weeks from initial inspection to claim approval. We expedite whenever possible and keep you updated throughout the process.
Can I choose my own contractor?
Yes! You have the right to choose any licensed contractor. Insurance companies cannot require you to use their "preferred" contractors.
Why Homeowners Trust Pro-Tec with Insurance Claims
Expert Documentation
We know exactly what insurance companies need to approve claims.
Clear Communication
We explain the process in plain English and keep you informed.
No Pressure
You decide if and when to file. We provide honest recommendations.
Proven Track Record
4.8★ rating with hundreds of successful insurance claims.
Storm Damage? Let Us Help with Your Claim
Free inspection and documentation. No upfront costs. We handle the insurance paperwork so you don't have to.
Available 24/7 for emergency storm damage • Serving Phoenix and surrounding areas