Northstar Public Adjusting
Roof Damage Claims

Repair vs. replacement — that's where you lose.

Insurance companies fight hardest on roof claims. The difference between a repair settlement and a replacement settlement can be tens of thousands of dollars.

Get Free Inspection (972) 904-6137

What roof damage claims look like

  • Storm-damaged shingles, underlayment, and decking
  • Failed flashing, vents, and penetrations
  • Gutters, fascia, and soffit damage
  • Structural damage to roof framing
  • Damaged ridge caps and valleys
  • Interior attic damage from water intrusion

What insurers routinely undervalue

  • Approving spot repairs when full replacement is warranted
  • Using depreciation to reduce RCV to ACV
  • Not addressing matching requirements for partial replacements
  • Missing underlying structural damage during surface inspection
  • Ignoring code compliance requirements in the repair scope
Local Context

Where We Work

Roofs in our service areas face hurricane-force wind pressures, hail, and intense UV degradation. We see frequent insurer resistance to full roof replacement claims.

Roof Damage Claims — FAQ