Roof, wind & storm claims
full repair, not a patch.
Nor'easters, wind events, and storms tear roofs open and put water into the floors below. These claims turn into fights about wear-and-tear versus wind, and patch versus replace. We document the storm's work and make the case for a real repair.
The full scope of a roof, wind & storm damage claim
Coverage varies by policy — this is what we look for, document, and pursue when it applies. The claim you file should be as complete as the loss you suffered.
- 01Wind-created openings — Wind damage to the roof covering and the water that entered through it — the storm's full chain of damage, documented as one loss.
- 02Repair vs. replacement — When a roof can't be honestly repaired to its pre-loss condition — matching, system integrity, manufacturer requirements — replacement is the right scope, and the claim should say so.
- 03Interior damage — Ceilings, insulation, walls, and floors below the opening. Interior water damage is part of the storm loss, not a separate afterthought.
- 04Emergency tarping & mitigation — Covering the roof fast is a covered emergency cost — and a policy duty. Keep every invoice.
- 05NYC access costs — Scaffolding, sidewalk protection, and access logistics in New York are real line items that suburban pricing models miss.
- 06Flat roofs, parapets & skylights — The city's flat-roof housing stock — membranes, parapets, coping, skylights — needs to be scoped by someone who understands how these assemblies actually fail.
We worked the carrier side. We know where the money goes missing.
Our adjuster spent years handling property claims from inside the carrier's process. On roof, wind & storm damage losses, these are the patterns we watch for.
The most common storm-claim dispute: the carrier attributes wind damage to age. Dated photos, weather data, and a careful damage pattern analysis push back.
Spot repairs that can't restore the roof system leave you with a compromised roof and a closed claim. Scope should follow what repair genuinely requires.
When interior water damage gets separated from the roof opening that caused it, pieces of the loss quietly disappear. It's one storm, one claim.
The first days decide the claim
No countdown clocks, no pressure — just how claims actually work. Early documentation is the difference between what happened and what gets paid.
Most policies require prompt notice of a loss. Delay alone can complicate coverage — the clock starts at the damage, not when you get around to it.
Water migrates, mold can begin within 24–48 hours, smoke residue etches surfaces — and repairs made before documentation erase the proof.
Reserves and first impressions get set in the first days. What's missing from the early record rarely gets paid later.
Don't discard damaged property, don't sign off on scope, and don't accept a first offer before an independent review.
From damage to settlement, in four steps
You stay focused on your home or business. We run the claim.
Free inspection & policy review
We come to you, assess the damage, and read your policy line by line to find every coverage that applies.
We document the loss
Full photo evidence, inventory, and a detailed estimate the insurance company can't brush aside.
We fight the carrier
We file, push back on lowball offers, and negotiate directly with your insurer from start to finish.
You get paid
The settlement goes to you. We coordinate our vendors to put your property back together.
Independent facts — not our claims
Here's what government studies and regulators say about property claims and representation.
Typical claim payments were $9,379 with a public adjuster vs. $1,391 without in non-catastrophe property claims, in a state review comparing represented and unrepresented policyholders.
OPPAGA Report 10-06 (2010). Gross settlements before adjuster fees; Florida data.
After Superstorm Sandy, a federal claims review paid over $258 million in additional money to more than 15,000 flood-insurance policyholders — most in New York and New Jersey — after litigation in New York federal court revealed damage reports had been altered to reduce payments.
FEMA Sandy Claims Review, 2015–2018; U.S. Senate oversight records.
Public adjusters are licensed and regulated by the NY Department of Financial Services, and you can cancel a compensation agreement without penalty until midnight of the third business day after signing. Verify any public adjuster's license on the DFS portal — including ours.
NY Department of Financial Services.
Roof, Wind & Storm Damage claim questions
The carrier says my roof damage is wear and tear, not wind. Now what?
Should I tarp the roof before the adjuster sees it?
My building has a flat roof. Does that change the claim?
Do they have to match my existing shingles or finishes?
Is the water damage inside covered too?
I'm a landlord — the storm hit multiple units. Can you handle that?
Had a loss? Let's talk today.
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