Insurance Claims


Hail, wind and storm damage are considered an insurance loss on your homeowner’s policy. Most insurance companies will pay the entire cost, less your deductible, for replacing the roof if it is damaged. The claim is also considered a natural disaster and does not count against you for future rate increases. American Top Roofing specializes in accident and weather related damage repair and replacement; including exterior roofing, gutters, siding, widows; and interior painting, sheetrock, ceiling texture, flooring, and carpet cleaning. We will help you deal with your insurance company and meet with your insurance adjuster if requested. Our involvement prevents you from getting stuck with a settlement that won’t cover your costs, or even worse, getting denied. With American Top Roofing you pay no out-of-pocket expense other than your insurance deductible. We agree to accept what your insurance company will pay for the claim, including your deductible, and ensure the highest quality repair or replacement.



Our Process

  • First, we ask that you provide us with a copy of your insurance adjusters summary report so we can review the scope of work and check all measurements to ensure all damage is fairly evaluated and reported accurately
  • Second, we match our contract to the work specified in the insurance adjusters summary report, including any supplements that may need to be added if the insurance adjuster missed something.
  • Third, we fax the signed contract to the insurance company.
  • Fourth, if there is a mortgage on the home, the mortgage company’s name will most likely be on the check along with yours. Most likely there will be several forms to be filled out and notarized. 
  • Fifth, we complete the project within a few days and send a letter of completion to your insurance company. Once This step is finished the insurance company will come out to ensure ATR did a great job. Once the job is approved you will receive your last depreciation check to cover the full cost to replace your entire your roof.