When a storm rips through your neighborhood, the damage to your roof isn’t the only thing you have to worry about.
What happens next — how you file, who you work with, and who shows up on your roof — can determine whether you get a full roof replacement… or a patch and a prayer.
In this post, we’re going to show you why choosing the right roofing contractor isn’t just important — it’s everything when it comes to protecting your home and maximizing your insurance claim.
1. Not All Roofers Are Created Equal
Storm damage brings out two types of contractors:
- 🔨 Restoration Experts who know how to work with insurance
- 🚩 Chucks-in-a-truck who just want a quick payday
The difference?
The right contractor understands insurance policy language, knows how to document and present damage the way adjusters need to see it, and can handle supplements, code upgrades, and negotiations — so you don’t leave thousands on the table.
The wrong contractor? They might not even show up to meet the adjuster. And if the adjuster misses damage, you’re the one stuck paying for it later.
2. The Adjuster Works for the Insurance Company — Your Roofer Works for You
When the insurance adjuster shows up, their job is to minimize the payout.
That’s just the cold truth.
You need someone who speaks their language, knows the codes, and can advocate for every piece of damage — not just what’s obvious.
A great contractor will:
- Mark and chalk damage in the right format (10×10 test squares, etc.)
- Take photos of everything from vents to gutters to soft metals
- Be on-site during the adjuster visit to walk the damage with them
- File any needed supplements if something gets missed
This is not a DIY job. Having the right expert in your corner can be the difference between getting a partial repair or a full roof replacement.
3. What to Look for in a Roofing Contractor
Don’t just pick the first company that knocks on your door after a storm. Vet them. Hard.
Here’s your quick checklist:
✅ Insurance Claims Experience
They should be able to explain the difference between ACV and RCV in plain English. If they can’t, they shouldn’t be touching your roof.
✅ On-Site Adjuster Meetings
If they don’t plan to meet the adjuster and walk the roof with them, move on.
✅ Local & Licensed
Storm chasers disappear as fast as they show up. Choose a local company with roots in the community and a physical address you can visit.
✅ Google Reviews & Before/After Photos
Reputation matters. Check online reviews and ask for proof of recent jobs.
✅ No Hidden Fees and Easy to Understand Payment Process
Reputable roofers work off the insurance payment schedule — not your checkbook. The standard today is ACV check = Deposit and the last check once work is complete is the final payment. Your deductible is like a co-pay with medical insurance. The deductible is due to the contractor and it considered “your” share of the financial responsibility.
4. The Right Roofer Helps Maximize, Not Inflate
This isn’t about gaming the system — it’s about ensuring the insurance company holds up their end of the deal.
A trained contractor knows what damage is covered and how to:
- Build a proper inspection report
- Provide photo evidence
- Submit supplements for items initially denied or missed
- Ensure compliance with local building codes
- Handle permit and documentation requirements
They’re not trying to “get more” than what’s fair — just to make sure you don’t get less than what you’ve paid for.
5. Real World: How the Right Contractor Saved a Claim
We’ve seen it time and time again:
A homeowner is told by their insurance that there’s “no damage” — but after a second inspection with our team walking the adjuster through it, that decision is reversed and the full roof is approved.
Why?
Because we know exactly what to point out, how to document it, and how to speak the language adjusters respect.
That’s the power of choosing right.
6. Final Word: This Is Your Home — Don’t Risk It on a Gamble
A roof replacement is a major investment, and your insurance claim is a one-shot opportunity.
Choosing the wrong contractor can cost you thousands.
Choosing the right one can cover your entire roof, upgrades, gutters, and peace of mind.
If you want a contractor who knows the insurance process inside and out — who fights for homeowners and walks every roof like it’s their own — we’d be honored to help.
Call Alfa Y Omega Construction for a free, no-pressure inspection today.
Slade is the Sales Manager at Alfa Y Omega Construction and brings over 24 years of hands-on experience in the construction industry. He’s passionate about helping homeowners navigate the often confusing process of roof replacement and storm-related insurance claims. With a background rooted in both fieldwork and customer service, Slade ensures every client is informed, protected, and treated with integrity. Whether it’s identifying hidden damage or guiding you through a complex claim, his goal is to simplify the process and deliver results. When you work with Alfa Y Omega, you get a team that fights for your home like it’s their own.
