When a homeowner in Independence, KY called us about a roof leak, they thought it was time for a roof replacement and were prepared to pay out of pocket. They had no idea that storm damage could make the project eligible for insurance coverage.
A Routine Inspection That Changed Everything
We started with a complete roof inspection to determine the source of the leak and assess the overall condition of the roof. Our process included checking for lifted or missing shingles, evaluating seal integrity, and looking for damage patterns consistent with wind or hail.
At first, the issue appeared simple, but our inspection revealed multiple areas where shingles had been creased and lifted, which are clear signs of wind damage from previous storms. The leak wasn’t caused by normal wear but by storm impact that had weakened the roof’s surface over time.
This detailed inspection gave us a clear picture of the roof’s condition and laid the groundwork for understanding what needed to happen next.
Helping Navigate the Claim Process
After reviewing our inspection findings, we explained to the homeowner that the damage likely qualified for an insurance claim to help with the roof replacement. Filing a claim can be intimidating, so our team walked them through each step, making sure every detail was documented accurately.
We provided photos, video evidence, and a detailed inspection report showing why small repairs wouldn’t restore the roof to its proper condition. When the insurance company initially recommended a repair, we submitted additional documentation and a repairability video to support the case.
After reviewing the evidence, the carrier approved a full roof replacement.
Delivering Lasting Protection and Peace of Mind
For this Independence homeowner, what started as a stressful leak turned into a lasting solution with major financial relief. They never expected that their roof replacement could be covered by insurance and our inspection made all the difference.
We see this situation often. Many homeowners assume that leaks or visible roof damage mean their roof is simply worn out. In reality, storm damage is one of the most common causes of roof issues, and it can often justify submitting an insurance claim. A professional inspection can uncover what’s really behind the problem and help determine what next steps should be taken for a cost-effective, lasting solution.
Your Local Partner for Roof Replacements and Insurance Claims
At Empire Contractors, we help homeowners protect their homes and their budgets. Our team combines technical roofing expertise with experience in the insurance claims process to make sure every customer makes the best decision for them.
If you’ve noticed a leak or think your roof may have storm damage, schedule an inspection with our team. You may even qualify for insurance coverage just like our customer in Independence did.