Do I need a public adjuster?

Most homeowners don't. A public adjuster works on your behalf for a percentage of the settlement — typically 10–15%. On a straightforward residential claim with a good contractor present at the adjuster visit, that fee is rarely justified. Where they add value: large commercial claims, denied claims, or complex disputes.

Will filing a claim raise my insurance rates?

Possibly. Insurers can raise rates or non-renew after claims, though NC law restricts non-renewal for a single weather claim on a policy in good standing. The calculus depends on your policy, carrier, and claim history. We recommend calling your agent before filing if you're unsure the damage is claim-worthy.

What is depreciation holdback?

When your insurer pays ACV (actual cash value), they deduct depreciation — the estimated wear on your roof over time. That withheld amount is released after you complete the work and submit proof. This is why getting the full settlement often requires finishing the job.

Can the contractor work directly with my insurance?

We can communicate directly with your adjuster and submit documentation on your behalf, but the claim and payment relationship is between you and your insurer. Assignment of Benefits (AOB) arrangements — where you sign over claim rights to the contractor — are generally not something we do.

What if my claim is denied?

Request the denial in writing and the specific policy language they're citing. Many denials are successfully appealed or supplemented with additional documentation. We've helped homeowners get reversed decisions with better photos and a stronger scope of loss.

Insurance Claims — North Carolina

How roof insurance claims work in NC — a homeowner's guide.

Most homeowners only file a roof claim once or twice in their lives. We guide people through this process every week. Here's exactly what happens from storm to settlement.

Call (910) 218-8178 Schedule Free Inspection

Free inspection. No obligation. Serving Wilmington and all of southeastern NC.

The Process

From storm to settlement — what actually happens.

Storm occurs

Document before anything is touched. Photograph the exterior, interior water intrusion, and any obvious damage from the ground. Don't climb on the roof yourself.

Free inspection

We get on the roof and assess the full scope of damage — shingles, decking, flashing, gutters, soft metals. We document everything with photos and measurements.

Claim filed

You contact your insurer and file the claim. We can help you with the initial call — including what to say and what not to say. A claim number is issued.

Adjuster assigned

Your insurer assigns an adjuster. This person works for the insurance company — not for you. We recommend having your contractor present at the adjuster visit.

Adjuster visit

The adjuster inspects the damage and writes their initial estimate. This is rarely the final number. Our scope often differs — and we document the difference.

Settlement issued

The insurer issues a settlement letter and first payment (ACV — actual cash value). This is typically less than replacement cost. The difference is released after work is completed.

Work completed

We complete the replacement or repair. You pay your deductible. We submit completion docs and the insurer releases the remaining depreciation holdback.

Coverage

What homeowner policies typically cover — and what they don't.

Typically covered

Wind damage
Hail impact
Falling objects (tree limbs)
Weight of ice/snow
Fire and lightning

Not covered

Normal wear and age
Improper installation
Flood damage (separate NFIP policy required)
Pre-existing damage
Maintenance neglect

North Carolina

NC claim rules homeowners often don't know.

One-year claim window

Most NC homeowner policies require filing within 12 months of the storm date. Some are shorter. Do not wait.

Hurricane deductibles are separate

Named storm damage triggers a different, higher deductible than standard wind/hail. Typically 1–5% of your insured value, not a flat dollar.

You can supplement

If the adjuster's scope missed items, your contractor can submit a supplement with additional documentation. Insurers are required to review it.

Common Questions

What homeowners ask us about insurance claims.

Not sure if your roof is claim-worthy? Start with the inspection.

We get on the roof, document what we find, and give you a straight answer — repair, replacement, or no action needed. Free inspection. No obligation.

Call (910) 218-8178 Schedule Inspection