An insurance claim is a formal request you submit to your homeowner’s insurance after your roof experiences damage (like from a storm, wind, hail, or fallen debris) so your insurer can pay for repairs or replacement according to your policy.

Our 5-step process:

1. Free inspection to document all roof damage.

2. Professional assistance filing your insurance claim.

3. We meet with your adjuster and handle all paperwork.

4. Our experts manage the claim negotiation for you.

5. We only get paid if your claim is approved—no upfront cost.

Yes. We do not charge you upfront. Our fee is only paid from insurance proceeds when your claim is approved—just like a contingency lawyer (“no win, no fee”).

Most policies cover sudden or accidental damage—storm, wind, hail, or falling debris. Routine wear/tear, old age, and poor maintenance are NOT covered.

Needed:

• Detailed inspection and photos

• Date and cause of damage

• Copy of your insurance policy
Frontline Roofing takes care of all documentation for you.

No. Most insurers only require one professional, local contractor’s estimate. We provide this as part of our service.

What if my claim is denied?

Generally, premiums only increase for all homeowners after major storms in your ZIP code—not for filing an individual claim. Rates may change whether you file or not, so don’t leave repairs undone.

A roof claim usually takes 2–6 weeks, depending on insurance response times, complexity, and extent of damage. We act fast so you aren’t left waiting.

Yes. You have full legal right to choose your preferred, local contractor for all repairs. We recommend trusted, local, veteran-owned companies whenever possible.

We’ll secure your roof to prevent further damage (tarps, timely repairs) and make sure emergency work is fully documented for your insurance claim.

RCV (Replacement Cost Value): Pays full, current cost to replace your roof.

ACV (Actual Cash Value): Pays for repair minus depreciation