Insurance claims
Insurance requiring a new roof? We handle it.
How claims work
Damage or age. We handle both.
Insurance roof claims in Maine come in two flavors: damage-based (a storm took shingles, an ice dam caused interior leaks) and age-based (your carrier is refusing to renew unless you replace an older roof). We handle both.
Jeff or Aaron starts with a free in-person inspection: up on the roof, and in the attic with your permission. That produces the documentation your adjuster needs. If a roof is too high or steep to walk safely, we can add a professional drone flight as a paid add-on so the aerial record is comprehensive. Photos, measurements, damage report, scope of work, line-item quote. Most adjusters tell us it's the cleanest paperwork they get.
Once your claim is approved, we install to the spec the carrier approved (or better, if you'd like to upgrade and cover the difference). We don't play games with supplements or fight your adjuster; we just do the work right.
Replacing anyway? A roof built to the IBHS FORTIFIED standard may qualify for Maine's planned Fortify grants, expected to open in the 2027 construction season. See ourFortify Maine roof grant guide.
- Free in-person inspection by an owner: on the roof, and in the attic with your permission
- Damage documentation and scope-of-work for your adjuster
- Direct coordination with your insurance carrier
- Upgrade options if you'd like to improve on the approved spec
- No high-pressure sales; we work on your timeline and theirs
Coverage
What's usually covered
Usually covered
Storm, wind, hail, and ice-dam damage are the most commonly covered causes in Maine: wind-torn shingles, fallen trees and branches, interior leaks from an ice dam.
Usually not covered
Wear and age. A roof that's simply old, or failing from years of weather, usually isn't a covered loss. Your policy and your adjuster make the call on your claim.
The claim process
Step by step
- 01
Document the damage early
As soon as it's safe, note the date and cause and take photos. The earlier the record starts, the better.
- 02
File the claim
Report it to your insurer and request an adjuster inspection. Keep your claim number handy.
- 03
We inspect and document
A free in-person inspection of the roof, attic, and structure. Photos, measurements, damage report, scope of work, and a line-item quote.
- 04
We meet your adjuster
We can meet your adjuster on-site, provide a code-compliant scope of work, and supply the manufacturer documentation your carrier needs.
- 05
We do the work
Once the claim is approved, we install to the spec the carrier approved, or better, if you'd like to upgrade and cover the difference.
A real claim
A tree through the roof in Yarmouth
When a late-summer microburst tore through the greater Portland area, a tree came down on this Yarmouth home, straight through the roof and into the truss system. This wasn't a shingle patch: it meant working with the homeowner, their insurance company, the town, and an engineer to rebuild the damaged framing correctly. New structural members went in alongside the originals, fresh sheathing closed the deck, and the roof went back together over it. Storm repairs like this are part of what we do, and doing them right means getting the structure right first.
- Cause
- Tree through the roof during the late-summer microburst that hit the greater Portland area
- Damage
- Roof penetration with damage to the truss system
- Process
- Coordinated with the homeowner, their insurance company, the Town of Yarmouth, and an engineer
- Repair
- Damaged framing rebuilt and sistered, new sheathing, roof put back together
Related
Repairs, programs, and financing
Storm & ice dam damage repair
What we check after wind, trees, hail, and ice dams.
Roof repair
Leaks, flashing, and missing shingles, with honest repair-vs-replace advice.
Maine roof assistance
MaineHousing repair programs, emergency assistance, and Fortify Maine.
Roof financing in Maine
Hearth financing, HELOCs, home equity and personal loans, compared.
Insurance questions
Common claim questions
How do I get my insurance to pay for a roof replacement?
Document the damage as early as possible (date, cause, photos), file the claim with your insurer, and request an adjuster inspection. We can meet your adjuster on-site, provide a code-compliant scope of work, and supply the manufacturer documentation your carrier needs. Storm, wind, hail, and ice-dam damage are the most commonly covered causes in Maine; wear and age usually are not.
Do you work with insurance claims?
Yes. If your insurer is requiring a replacement after wind, hail, or storm damage, we'll document everything you need and coordinate directly with your adjuster.
What roof damage does insurance usually cover in Maine?
Storm, wind, hail, and ice-dam damage are the most commonly covered causes in Maine; wear and age usually are not. Your policy and your adjuster decide what's covered on your claim.
What if my insurer won't renew unless I replace an older roof?
That's an age-based situation, and we handle it too. We start with a free in-person inspection of the roof, attic, and structure, then give you a written, itemized quote.
Ready when you are
A roof is a long decision. Let's get yours right.
No pressure, no gimmicks. Just a free estimate, an exact written quote, and a roof built for Maine weather.