You're holding a letter from your insurance company that says the storm damage is not covered. A piece of your roof shingle is still sitting in the flower bed from last week's wind. TruRoof handles this exact work in Cincinnati, Northern Kentucky, and Southeast Indiana.
Why You Can Trust Us
Missing shingles after a storm. Tarps on the roof. A dent in the gutter from hail. Water stains on the upstairs ceiling. If any of these showed up after a storm passed through, your roof took a hit. Insurance policies are supposed to cover sudden storm damage, but the adjuster might call it old age or wear and tear. The difference is hard to see if you don't know what to look for.
You can't just forget about it. The leak gets worse every time it rains. That ceiling stain spreads. The attic starts to smell musty. You're on the phone with the insurance company for hours, and they keep asking for more proof. You can't start repairs because you're waiting on an answer. It feels like you're stuck.
TruRoof starts by inspecting every inch of the roof. The crew takes photos of every missing shingle, every dent, every uplifted piece of flashing. Then we call your insurance company and set up a time for the adjuster to come out. Our crew meets the adjuster on the roof. We show them the damage, compare it to the photos, and explain why it is storm-caused, not old wear. We write the repair estimate using the same Xactimate software the insurance company uses. We send the estimate and photos to the desk adjuster. We follow up by phone and email until the claim is approved. Roof repair or replacement is included once the claim goes through.
When the work is done, the roof is watertight again. The ceiling stain stops growing. The attic dries out. You have a roof that keeps the next storm out, and the insurance company paid for the damage. No more phone calls, no more letters, no more waiting.
Our process
- 1Inspect the roof damageA crew member walks every part of the roof, takes photos of missing shingles, dents, and lifted flashing.
- 2Meet the insurance adjusterWe stand with the adjuster on the roof, point out each piece of storm damage, and show the photos.
- 3Document the claimWe write the estimate using the same software the insurance company uses and send it to them.
- 4Follow up until approvalWe call the adjuster and the desk adjuster until the claim is approved for the full repair.
- 5Repair the roofOnce the claim is approved, we replace the damaged sections or the whole roof if needed.
Why Cincinnati homeowners and building owners call TruRoof
- We meet the adjuster on the roof, not just over the phone.
- We use the same Xactimate software as the insurance company.
- You get a copy of every photo and document we send to your insurer.
- We have a 24/7 emergency line for storm damage.
The insurance company says the roof damage is wear and tear, but you know it happened in that storm. Every time it rains, you check the ceiling for new stains. Calling the adjuster goes nowhere.
Roof problems we fix
Common reasons roof claims get denied
You filed, or you are about to, and you want to avoid the mistakes that get claims tossed.
Wear and tear, late filing and thin documentation are the usual reasons. We handle the file so none of them apply.
Is it worth claiming roof damage on insurance
You are not sure the damage is big enough to be worth a claim and a possible premium bump.
A free inspection gives you the repair cost first. Then the claim decision is math, not a guess.
Will insurance cover a 20 year old roof
Your roof is older, it has storm damage, and you have heard insurers deny claims on old roofs.
Age changes how they pay, not whether. We document the storm damage separately from wear so the claim holds.
Insurance adjuster coming for hail damage
Your roof has hail damage. The insurance adjuster is coming soon. You are afraid the claim will be denied or you will only get a small patch, not a full new roof that you need.
Get a roofer who knows insurance claims to meet the adjuster with you. They can document the damage, show the adjuster what needs to be fixed, and handle the paperwork so the claim matches your policy. TruRoof can meet the adjuster and document the damage.
How to choose a roofing contractor
You need a new roof. You are scared of picking a bad contractor who will cut corners, take your money, or disappear if something goes wrong. You do not know what questions to ask.
Ask for a local address and a written estimate. Check that they have insurance and a license. Read reviews and ask for references. A good contractor will walk you through the job, not just hand you a number. Get at least three quotes before you decide.
Frequently asked questions
Do you help with insurance claims in my area?
We serve Cincinnati, Northern Kentucky, and Southeast Indiana. We handle the full insurance claims process for storm damage, from the initial roof inspection through getting your claim approved and completing the repairs.
What's included in your roof insurance claims assistance?
We inspect your roof and document all damage with photos, meet with the insurance adjuster on-site to explain the storm damage, write the repair estimate using Xactimate software, and follow up with your insurance company until the claim is approved. Once approved, roof repair or replacement is included.
What if the insurance company says the damage is wear and tear, not storm damage?
We compare photos of the damage to show why it is storm-caused rather than old age. Our crew meets the adjuster on the roof, explains the damage, and uses the same software the insurance company uses for estimates to build a clear case for approval.