Step 1
Damage occurs
Damage appears. Document first. Do not sign.
Insurance claim guide / Connecticut
Working with your insurance carrier on a roof claim.
What to document, how adjusters work, what supplements are, and what we can or can't promise.
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Storm documentation
Start with visible conditions.
Insurance work needs clear photos, careful notes, and a clean scope conversation.
What we can't promise.We can't guarantee your carrier approves the claim. We can't promise a specific settlement amount. We don't pay your deductible. What we DO is provide thorough contractor documentation that supports a clean carrier conversation.
Exterior repair sequence
Scope the exterior as one system.
Damage at one edge can affect flashing, trim, gutters, siding, or openings.
What we document on a claim assessment
The 6-step claim process
Damage to repair: roughly how it unfolds.
Every claim varies, but the rough process is consistent.
Step 2
Document everything
Photograph damage and keep records together.
Step 3
Contact your carrier
Open the claim. Call us for contractor documentation.
Step 4
Adjuster inspection
The adjuster visits. We can document damage.
Step 5
Settlement
The carrier usually issues ACV first.
Step 6
Repair execution
We do the work. Tim documents supplements.
Documented repair work
Every repair is photographed and documented for a clean carrier conversation.
Adjuster terminology
Six terms worth understanding before the inspection.
The carrier uses specific language. These terms keep you in the conversation.
- ACV (Actual Cash Value)
- Depreciated value of the damaged roof.
- RCV (Replacement Cost Value)
- New-roof cost before depreciation.
- Depreciation
- The wear deduction. Recoverable depreciation returns after completed work.
- Supplement
- A documented add-on found during work.
- Scope of loss
- The adjuster's written damage and coverage scope.
- Deductible
- Your out-of-pocket claim portion. Waiving it is fraud in Connecticut.
Common pitfalls
Five contractor red flags that should send you elsewhere.
Storm-chaser contractors
Out-of-state contractors appear after storms, then disappear.
'Deductible waiver' offers
Connecticut prohibits this. Deductible-waiver offers start with fraud.
Same-day contracts
Insurance claims do not require a same-day signature. Pressure is the warning sign.
Cash-only deals
Legitimate contractors invoice through standard channels.
Promising claim approval
The carrier decides approval. We promise documentation, not approval.
Common questions
Insurance roof claim questions homeowners ask.
Practical answers about our contractor role through a claim.
Talk to Northern Limits
We document the work. The carrier handles the claim.
Contractor-side documentation that supports a clean carrier conversation.
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