Day 0 · After the storm
Free roof inspection
We come out within 48 hours. Drone imagery for the full roof, hands-on for the details. You'll get a written report with photo evidence — yours to keep, claim or not.
StormSafe
Most insurance carriers require storm-damage claims within 1 year
· Don't wait
Insurance Roof Replacement · NC Triangle
An insurance claim is a maze. We walk through it with you.
Storm damage. Adjuster visits. Scope-of-work disagreements. Depreciation holdbacks. We've seen it all — and we've helped hundreds of Triangle homeowners get the roof they're owed under their policy.
1
Inspect
Free roof report
2
File
You call carrier
3
Meet
We're on the roof with the adjuster
4
Install
Roof done in a day
- ✓ Free pre-claim inspection & report
- ✓ We meet your adjuster on the roof
- ✓ Public adjuster network if carrier pushes back
- ✓ You only pay your deductible
NC Licensed & Insured
FORTIFIED Certified
50+ ★★★★★ Google Reviews
Local · Triangle-Owned
BBB Accredited
Straight talk: we're roofers, not adjusters.
StormSafe can't legally negotiate your insurance claim, set the dollar value of your loss, or settle anything on your behalf. What we can do is document the damage, meet your adjuster on the roof, advocate for the right scope of work, and install the roof your policy covers. When carriers push back unfairly, we partner with licensed public adjusters in NC who can fight for you.
NC Law
Only NC-licensed public adjusters can negotiate claims
Where StormSafe Fits In
What we do — and what we won't pretend to do.
Some roofers will tell you they "handle the whole claim" or "guarantee approval." That's either dishonest or illegal in North Carolina. Here's exactly where StormSafe shows up — and where licensed professionals take over.
What we do
As your contractor
- ✓ Free roof inspection with drone imagery + hands-on assessment to document every hail strike, lifted shingle, granule loss, and impact mark.
- ✓ Written damage report with photo evidence — the kind of documentation that makes adjusters' jobs easy.
- ✓ Meet your adjuster on the roof on inspection day so nothing gets missed and the scope of work matches reality.
- ✓ Provide a contractor's estimate based on real materials, real labor, and current pricing — useful when carriers underscope.
- ✓ Install your roof to spec — FORTIFIED-grade, GAF-certified, with a 10-year workmanship warranty.
- ✓ Refer you to a licensed NC public adjuster if your carrier denies a legitimate claim or wildly underpays.
What we won't do
It's against the law — and against your interests
- ✕ Negotiate your claim with the carrier. In NC, only licensed public adjusters or attorneys can do that on your behalf. Roofers who claim otherwise are putting your claim at risk.
- ✕ Promise we'll "absorb" your deductible. NC law (G.S. 58-3-285) makes it a misdemeanor for contractors to waive or rebate deductibles. We never do.
- ✕ Guarantee a specific claim outcome. Approval depends on your policy, your damage, and your carrier — not us. Anyone who guarantees otherwise is selling you something.
- ✕ Inflate the estimate to "match" the claim. Our pricing is the same whether you're paying out of pocket or through insurance.
If your carrier denies or underpays a legitimate claim:
we'll connect you with a licensed NC public adjuster from our trusted network. They work on a percentage of what they recover for you — no recovery, no fee.
The Claim Process · Step by Step
From first storm to final shingle.
Insurance claims feel chaotic because nobody walks you through them. Here's the entire path, who does what, and roughly how long each stage takes.
Day 1–2 · Filing
You call your carrier
You file the claim — only the policyholder can do that. Have our report handy when you call. Your carrier will assign a claim number and schedule an adjuster visit, usually within 1–2 weeks.
YouWeek 1–2 · Adjuster visit
We meet the adjuster on the roof
This is the moment that decides your claim. We're up there with them, walking the damage point by point, making sure nothing gets missed or written off as "wear and tear."
StormSafe + AdjusterWeek 2–3 · Decision
Carrier issues their scope
You'll get a "Scope of Loss" document and an initial check (ACV — actual cash value). If the scope matches what we documented, great. If it doesn't, this is when we discuss escalation options.
Your carrierIf carrier underpays / denies
Public adjuster steps in
If the scope is unfair, we'll connect you with a NC-licensed public adjuster. They negotiate with your carrier — not us. They typically work for a percentage of additional recovery.
Public adjuster (optional)Week 3–6 · Roof install
We install the approved roof
Once the scope is right and you've signed off, we install. Tear-off, underlayment, shingles, ridge vent, the works — usually one day. Then we send the carrier a final invoice and depreciation request.
StormSafeWeek 4–8 · Final payout
Carrier releases depreciation
Most policies are "Replacement Cost Value" — meaning the carrier holds back depreciation until work is done. Once we submit completion paperwork, the second check (the depreciation) gets released to you.
Your carrierDay of completion
You pay your deductible. That's it.
Whatever your deductible is on your policy — that's your only out-of-pocket cost. We never absorb it (illegal in NC), but we can connect you with financing if you need to spread the deductible over a few months.
YouWhy Triangle Homeowners Pick Us For Claims
Documentation, advocacy, and a roof that outlasts the next storm.
A roofer can either show up after the adjuster's already gone home and shrug — or be on the roof with them, photo evidence in hand, fighting for the right scope. Guess which one we are.
Documented, defensible reports
Drone aerials, close-up photos, written summaries with damage maps. The kind of report that makes "soft denials" much harder for carriers to justify.
On-roof at the adjuster visit
Most roofing claim outcomes are decided in 30 minutes on a roof. We make sure your roofer is up there walking the damage with the adjuster — not down in the driveway.
Public adjuster network
When a carrier's scope is genuinely unfair, we won't just shrug. We have working relationships with licensed NC public adjusters who fight on your behalf — for a percentage of additional recovery, not a flat fee.
FORTIFIED-grade install
Many carriers offer discounts for FORTIFIED-rated roofs. We're certified installers, which means your replacement can come back stronger and cheaper to insure than the roof that just failed.
48-hour inspection turnaround
Storm damage gets worse the longer it sits — and many policies have strict filing windows. We aim to be on your roof within 48 hours of your call, often same-day during heavy storm seasons.
10-year workmanship warranty
Whether the roof's paid through insurance or out of pocket, you get the same install, the same Triangle-local crews, and the same warranty. No corner-cutting on claim work.
Signs It's Time To Inspect
When to pick up the phone.
Most insurance-eligible damage isn't visible from the ground. Hail strikes look like nickel-sized dimples on shingles. Wind damage often shows as lifted seals, not missing shingles. By the time you see a leak inside, you're months past the ideal claim window.
- Within 1 year of any major storm. Wind ≥ 50 mph, hail of any size, tornadoes, microbursts. Most carriers require claims within 12 months of the event.
- Granules in your gutters or downspout splashes. Heavy granule loss after a storm is the #1 sign your shingle field has been compromised.
- Visible lifted, creased, or missing shingles. Especially along ridge lines, eaves, and hip-roof valleys where wind pressure is highest.
- Interior staining or active leaks. Even if it stops after the rain, water that got through is water that compromised your decking. Document immediately.
- A neighbor just got their roof replaced. Hailstorms are localized. If a few houses on your street have new roofs, your damage is probably eligible too.
Free roof inspection
Drone + hands-on assessment · Written report · 48-hour turnaround
Triangle Homeowners Who've Been Through It
From first call to final check — what claim work feels like with us.
They literally took the stress out of distress. Walked my family through every part of the process and made the whole thing actually feel manageable.
PJ Baker-Nicholas
★★★★★ Google
From the initial phone call to completion, the team was friendly, responsive, and attentive. They kept me informed throughout and made sure I was satisfied. Their commitment to customer satisfaction is commendable.
David James
★★★★★ Google
Thomas and Chad replaced our roof. They made the process so easy and we're very pleased. It's been over a week and we've only found four nails in the yard. On time, respectful, and a great job cleaning up.
Heather Lindgren
★★★★★ Google
Insurance Claim FAQ
Real questions, straight answers.
Is my roof actually eligible for a claim? +
Eligibility comes down to two things: (1) Was there a covered peril?(wind, hail, fallen tree, etc — most homeowners' policies cover these) and (2) Is the damage documentable? Some insurance-eligible damage isn't visible from the ground — granule loss, hairline impacts, lifted seals. Our free inspection answers both questions before you call your carrier.
Should I file the claim before or after you inspect? +
After. Filing without documentation is how claims get denied as "wear and tear." We inspect first, give you a written report, and then you call your carrier with real evidence in hand. Carriers and adjusters handle these calls very differently when the homeowner has documentation.
Will my premium go up if I file a claim? +
Possibly — but typically far less than the cost of replacing a roof out of pocket. NC carriers vary on this. Some won't raise premiums on weather-related claims; others will. We can't promise either way. What we can say: if your roof is genuinely damaged, the math almost always favors filing.
What's a "public adjuster" and when do I need one? +
A public adjuster is a NC-licensed professional who negotiates claims on the homeowner's behalf — the way an insurance company adjuster negotiates for the carrier. You only need one if your carrier denies a legitimate claim or settles for far less than the actual loss. Most claims don't need one. When they do, public adjusters typically work for 10–20% of additional recovery — not a flat fee.
Can you waive my deductible? +
No — and any contractor offering to is breaking NC law. Under NC General Statute 58-3-285, it's a misdemeanor for a contractor to rebate, waive, or "absorb" a homeowner's insurance deductible. We never do. What we can do is connect you with financing options to spread your deductible over manageable payments.
How long does an insurance roof replacement take? +
From first inspection to final shingle, typical claims run 4–8 weeks. Most of that is waiting on the carrier. Once your scope is approved and signed, the actual install is usually one day. The remaining time is depreciation paperwork.
What if my carrier already denied my claim? +
Don't give up. Many initial denials are based on incomplete documentation or "soft" findings. We've seen plenty of denied claims get overturned with better evidence — sometimes just from us inspecting and providing a written report. If the denial is legitimate, we'll tell you. If it's not, we'll connect you with a public adjuster.
Do you do anything different for FORTIFIED-rated insurance discounts? +
Yes. We're certified FORTIFIED installers, which means we can replace your roof to the IBHS FORTIFIED standard. Many NC carriers (and the state itself) offer significant premium discounts for FORTIFIED-rated roofs. We'll handle the certification paperwork as part of the install.
Roof damage doesn't get better. Get the inspection on the calendar today.
48-hour turnaround. Drone + hands-on. Written report you keep — claim or not. Zero cost, zero pressure.
