Insurance claims can be confusing. Our step-by-step guide makes it simple so you know exactly what to expect. This SOP applies to all residential and commercial property owners experiencing roof damage from storms, hail, wind, or other covered events.

Step 1 – Initial Damage Assessment

  • After a storm or suspected damage event, visually check your property for signs of roof damage (missing shingles, leaks, dents in gutters, debris).

  • Contact Stronghold Exteriors for a free inspection. Our roofing specialists will perform a full assessment and document the condition of your roof with photos and notes.

Step 4 – Insurance Adjuster Inspection

  • The insurance company will schedule an adjuster to inspect the property.

  • Stronghold Exteriors will coordinate with the homeowner to be present during the adjuster’s inspection.

  • Our role is to point out visible and hidden damages, ensuring nothing is overlooked.

Step 7 – Roof Replacement / Repair

  • Materials are delivered, Stronghold does a “Material Check” to ensure the correct color and amounts of materials were delivered.

  • 2nd payment is collected (typically the ACV check)

  • Stronghold Exteriors performs the approved scope of work using quality materials and proper installation practices.

  • Photos and documentation are kept for final submission to the insurance company.

Step 2 – Review Findings & Discuss Next Steps

  • The contractor reviews inspection results with the homeowner.

  • If damage is found that may qualify for insurance coverage, the contractor advises the homeowner to proceed with filing a claim.

Step 5 – Claim Approval & Estimate Review

  • Once the adjuster completes their report, the insurance company issues a statement of loss (estimate of covered repairs).

  • The contractor reviews this document with the homeowner to confirm that all necessary repairs are included and accurately priced.

Step 8 – Final Walkthrough & Payment

  • After completion, the contractor and homeowner inspect the roof together.

  • The insurance company issues final payment (including any recoverable depreciation).

  • The homeowner pays Stronghold Exteriors the 3rd & final payment (typically the remainder of the contract total sub the 1st & 2nd payments)

Step 3 – File the Insurance Claim

  • The homeowner contacts their insurance provider (by phone or online portal) to report the damage.

  • Provide the date of the storm/event, a description of the damage, and the contractor’s findings.

  • Record the claim number for reference.

Step 6 – Work Authorization & Scheduling

  • The homeowner signs a work authorization agreement with Stronghold Exteriors to begin the project.

  • Colors are picked & first payment is collected (typically the deductible amount)

  • A production schedule is set, and materials are ordered.

Step 9 – Warranty & Ongoing Support

  • Stronghold Exteriors provides warranty information and ensures the homeowner understands coverage.

  • Offer ongoing maintenance services and storm readiness tips.

Key Notes

  • Homeowners are only responsible for their insurance deductible & any upgrades that were chosen.

  • It is illegal for any contractor to pay your deducible.

  • All communication with the insurance company should be documented (dates, times, claim numbers, contacts).

  • Stronghold Exteriors serves as the homeowner’s advocate throughout the process.