Collage of residential roof damage showing storm hail, fallen tree impact, water leaks, and professional repair inspection.

ROOFING INSURANCE CLAIM ASSISTANCE

Roof Insurance Claims Coverage

If your roof may have been damaged by hail, wind, falling debris, or another recent storm event, RichCo Premium Roofing can document visible conditions and help you understand the repair scope before you contact your insurer. Coverage decisions always remain with the insurance carrier and depend on your policy.

STEP #1

Contact RichCo Premium Roofing for a free, no-obligation inspection. We'll photograph and document any visible storm damage so you have a clear record before speaking with your insurer.

Schedule a Roof Inspection

STEP #2

Contact Your Insurance Carrier

If the inspection turns up damage worth reporting, call your insurance company's claims department or file online. They'll open a claim file and assign an adjuster.

STEP #3

STEP #4

Adjuster Inspection

Claim Determination

Your insurance adjuster will schedule a visit to assess the damage. We recommend RichCo Premium Roofing be present during this inspection so our documentation and the adjuster's findings line up.

Your insurer reviews the adjuster's findings and determines whether the claim is approved, and if so, the scope and settlement amount. This decision — and its terms — is made solely by your insurance carrier based on your policy.

How the Claims Process Works

STEP-BY-STEP GUIDE

From your first call to a final decision, here's what to expect when you work with RichCo Premium Roofing on a storm damage claim. Your insurance carrier makes all final coverage and settlement decisions.

HOME COVERAGE

Residential Claims Coverage

Understanding common storm damage causes and documentation standards for single-family homes and residential roofs.

Common Claim Causes

Insurers Commonly See

Typical Claim Issues

Severe monsoon winds
Hail impact
Falling tree limbs
Thermal shock

Lifted and broken shingles
Cracked clay tiles
Dented metal flashing
Granule loss around valley gutters
Compromised underlayment felt

Undetected leaks
Repair proposals vs replacements
Policy deductible scope disputes

BUSINESS COVERAGE

Commercial Claims Coverage

Navigating complex commercial flat roof membrane inspections, claim documentation, and insurer requirements.

Common Claim Causes

Insurers Commonly See

Typical Claim Issues

High-velocity wind uplift
Severe hail impact
Standing water pressure
Airborne debris punctures

TPO membrane tears
Bitumen seam separation
Rusted corrugated metal panels
Loose parapet flashing
Clogged drain scuppers

Trapped moisture below insulation
Business interruption scopes
Overlapping warranty conditions

PRE-CLAIM INSPECTION

Document Damage Before You File

Our licensed specialists provide comprehensive roof evaluations with photographic documentation to help you understand your scope before speaking to your adjuster.

Popular New Mexico Homeowners' Insurance Carriers

CLAIM ASSISTANCE

This list highlights the homeowners' insurance companies we work with most, but it's not the full picture — RichCo Premium Roofing partners with many more carriers across the Albuquerque-Santa Fe Area.

Ready When You Are!

Don't wait for leaks or storm damage to worsen. Contact RichCo Premium Roofing today for a comprehensive, free roof inspection and estimate.

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