Insurance Claim Assistance in CT, RI, and MA
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Helping You Put the Pieces Together After a Storm
Nobody plans for storm damage, and once it happens, most homeowners have no idea where to start. Should you call your insurance company first or hire a contractor? What needs to be documented? How do you know if the repair estimate matches what your policy will cover?
At The Roofing Store, we've worked with hundreds of homeowners and property managers across Connecticut, Rhode Island, and Massachusetts. We know it can feel overwhelming from the outside, which is why our part is straightforward. We’ll come out, inspect your property, document everything we find, and put together a written scope of work you can hand to your insurance company. You focus on taking care of your family, and we’ll handle the heavy lifting to ensure your restoration stays on track.
What We Look for Across the Exterior
Storms rarely damage just one thing. Wind can lift shingles in one spot and crack a window on the other side of the house in the same afternoon, and plenty of that damage stays hidden until someone knows where to look.
During an inspection, we’ll check the roof for wind damage to shingles, flashing, ridge materials, and other components, as well as hail impact on the roofing surface. We also look at siding, windows, and other materials for similar wear, since hail rarely stops at the roofline. Fallen branches and other debris are checked on the roof and across the rest of the exterior. For commercial properties, this same process extends to flat, low-slope, and metal roofing systems.
We’ll photograph and document everything we find, so you and your insurance carrier have a clear picture of what the property needs before repairs even begin.
Our Step-by-Step Approach
An insurance claim has a few moving parts, and it helps to know who handles what. Your insurance carrier decides what's covered under your policy. We handle the construction side, which means figuring out what's actually damaged and what it will take to fix it properly.
Storm Damage Inspection
An on-site visit allows us to assess the roof and other affected areas in person. We’ll take photos, write detailed notes, and record everything we observe so there's a reference point once the claim moves forward.
Documentation Support
Every damaged material and affected area gets logged in detail, from the type of shingle involved to the exact section of siding that took a hit. This record provides your carrier with something concrete to review.
Adjuster Coordination
When it's useful, one of our professionals can be present during your adjuster's visit. Having a contractor on site to point out documented damage and answer questions often keeps the conversation moving smoothly.
Written Scope of Work
Based on our assessment, we’ll prepare a proposal outlining the materials and labor required. If the carrier's scope comes back short of what we found, we can provide additional photos, notes, or information.
Project Planning
Once the scope is settled, we’ll review your roofing, siding, window, and door options together. We'll also walk through timing, since some materials are more readily available than others depending on the season.
Exterior Restoration
Executing the approved work is the final step and is carried out using manufacturer-specified installation methods. And once we’re done, we'll show you the results and answer any questions you may have.
We're not a public adjuster, and we don't determine what your policy covers. Our job is to document the damage accurately and see the repairs through to completion.
Coordinated Repairs From One Team
When a storm hits a house, it rarely limits itself to the roof. That's why we handle roofing, siding, windows, and doors as a single contractor, so you're not left coordinating with separate companies for each part of the exterior.
Roofing
Most of what we do on a claim starts with the roof. We inspect asphalt shingles, metal roofing, and commercial low-slope systems for storm damage and develop a scope that reflects the roof's actual condition, not just the obvious spots.
Siding
Wind and hail can crack or knock loose sections of siding, often on a side of the house homeowners don't think to check first. If we find siding damage while inspecting the roof, we roll it into the same scope and the same claim.
Windows
Glass, frames, and trim are exposed to hail and wind pressure just like every other part of the exterior. When a storm leaves windows damaged, we offer replacement options, including Mathews Brothers products, to cover that repair as well.
Entry Doors
Storm damage to an entry door isn't always as visible as a missing shingle, but it happens more often than most homeowners expect. Warped frames, cracked panels, and shattered glass inserts are all things we look for during the initial inspection.
Commercial Properties
Commercial buildings get the same coordinated approach. We handle EPDM, TPO, PVC, Duro-Last, and metal roofing systems for property managers and owners, and any related siding or window damage gets included in the project.
Why Choose The Roofing Store?
We've been doing exterior construction in Southern New England since 1982, and that kind of history matters once a storm damages more than one part of a building. Every proposal we write spells out the materials and labor involved, so there's nothing vague about what you're approving before work begins.
Our roofing installations follow architectural-spec methods used across residential and commercial projects, and we work directly with manufacturers including CertainTeed, AB Martin Metal, and Mathews Brothers, with warranty protection available on qualifying installations.
If you want to compare materials before committing, our showroom features a 150-foot outdoor display where you can see roofing, siding, and window options in person. Our gallery is worth checking out too, especially if you want to see projects similar to what you're planning.
Rooted in Plainfield, Ready Across the Region
We're based in Plainfield, CT, and our primary service area covers Windham County and New London County, including Plainfield, Danielson, Killingly, Putnam, Thompson, and Hampton. In Rhode Island, we serve Foster, West Greenwich, Smithfield, Cumberland, and nearby communities. We also take on storm-related projects across Massachusetts.
Still wondering if you're covered? Our service areas page breaks down every town we work in.
Frequently Asked Questions
Yes, when it's useful. We can be present during the adjuster's inspection, point out documented damage, and answer questions about materials or construction. We don't act as a public adjuster, and we don't negotiate coverage or settlements on your behalf.
That depends entirely on your specific policy, your deductible, and the cause of the damage. Many policies cover sudden events like wind, hail, or fallen trees, but your insurance company makes the final call on what's covered.
Most carriers want photos, a description of the damage, and a contractor's written estimate or scope of work. We provide all of that. For anything specific to your policy, it's best to confirm directly with your insurance company.
It varies. Adjuster availability, the extent of the damage, and the amount of back-and-forth the scope requires can all affect the timeline. On our end, we try to keep things moving by getting you documentation as soon as we have it.
A denial doesn't mean your property doesn't need the repairs. Your insurance company should explain why the claim was denied and what options you have under your policy. We can still inspect the property and give you an honest, written proposal based on what we see.
Put the Damage on Paper
Storm damage rarely waits for a convenient time, and neither should the inspection. Reach out, and we'll walk your property, checking the roof, siding, windows, and doors, then document what we find and prepare a written scope for your insurance company.
And if your adjuster needs to be looped in, we'll handle that. Contact The Roofing Store today.
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