Storm Damage Roofing • Insurance Language • Pre-Loss Condition
“Roofing and restoration” means: we restore storm-related damage to pre-loss condition—starting with the roof, and expanding only when necessary to gutters, siding, mitigation, and interior repairs that are directly tied to the storm event.
Definition: Restoration = storm-related repairs needed to return a property to pre-loss condition (roof first, then related exterior/interior work when causation and coverage apply).
At Inspector Roofing and Restoration, our work starts with roofing. When a company includes "& Restoration" in their name, it signals the capability to manage the entire scope of an insurance claim—not just the shingles, but the code compliance, engineering, and multi-trade coordination required to make the policyholder whole.
Storm restoration almost always begins at the roof. Hail impact, wind uplift, and storm-created openings are documented first because roof failure drives secondary damage.
Restoration expands only when additional work is necessary to return the property to pre-loss condition and is tied directly to the storm event through documented causation.
(Coverage for expanded items depends on policy and adjuster determination.)
Some losses require technical involvement. We coordinate with qualified professionals to protect the structure. Mitigation occurs immediately after the loss to prevent further damage.
Restoration is documentation and compliance. In claim language, the scope of loss is the list of repairs the carrier has approved. We build scopes aligned with local codes.
When a loss involves multiple trades (roofing + gutters + interior), “restoration” often means coordinating the full project like a general contractor—sequencing trades, permits, and documentation.
The Process: Fact-Based Claims
Our standard is simple: if the evidence can’t be independently verified, it can’t be trusted.
We inspect the entire property—not just the roof—creating a "macro to micro" photo report that establishes the Date of Loss and cause of damage.
We meet the adjuster on site to verify damage. We walk them through our forensic evidence to ensure documented damage is captured in the initial scope.
We rebuild the scope using Xactimate, adding components required by the code edition adopted by the local AHJ and the manufacturer’s instructions.
We submit a "supplement" for items the adjuster missed but are required to do the job correctly and to code (not upgrades, but requirements).
Hidden damage (rotted decking, structural cracks) found during tear-off is documented and supplemented to ensure you aren't stuck with the bill.
We file the Certificate of Completion to release Recoverable Depreciation and provide a final warranty package, closing the loop on the claim.
The Hidden Scope
Supplementing is the forensic process of adding missing items to the claim scope based on physical evidence and building code.
Insurance estimates often omit "micro" components. We verify requirements using the relevant building code requirement for drip edge/flashing plus manufacturer instructions.
Water spots may appear weeks later. We use moisture meters to map interior spots to specific roof penetrations, establishing a clear chain of causation.
Tree impacts transfer kinetic energy through framing. We inspect for cracked rafters and drywall fractures invisible from the exterior.
Roofing and restoration means restoring storm-related damage to pre-loss condition—starting with the roof, and expanding only when necessary to gutters, siding, mitigation, and interior repairs that are directly tied to the storm event.
Roofing focuses specifically on the replacement or repair of the roof system. Restoration is a broader term used in insurance claims that includes the roof plus any other storm-damaged components like gutters, siding, or interiors needed to return the property to pre-loss condition.
No. Restoration is repairing damage caused by a specific event (like a storm) to bring the home back to its pre-storm state. Remodeling is an elective upgrade or design change chosen by the homeowner.
Pre-loss condition is the physical state of your property immediately before the storm occurred. Insurance policies typically owe to restore the home to this condition with materials of like kind and quality.
Roof work must comply with the building code edition adopted by your local AHJ (and manufacturer requirements). That’s what drives items like drip edge, flashing, ice/water protection, ventilation, and permits when required.
Recoverable depreciation is money held back by the insurance company until work is completed. To 'recover' it, you must file a Certificate of Completion showing the work was done at the agreed price.
Yes, but you typically pay the difference. Insurance pays for "like kind and quality." If you want to upgrade materials (e.g., to metal), you pay the cost difference out of pocket.
A supplement is a request for funds added to a claim after the initial estimate. It covers items that were overlooked or discovered during the build (like rotted decking) to ensure the roof is installed correctly.
No. In an insurance claim, the price is determined by the scope of damage and Xactimate market rates. Your goal is to find one contractor who agrees to do the work for the amount the insurance company agrees is fair.
You do. The deductible is the homeowner's portion of the risk. It is illegal for a contractor to 'pay' or 'waive' your deductible; it must be paid as part of the total project cost.
