Storm damage? Get the documentation insurance adjusters take seriously.

Five things, in order: (1) Document everything from the ground with date-stamped photos. (2) DO NOT climb the roof yourself. (3) If water is actively entering, call us for same-day emergency tarping. (4) Schedule a HAAG-Certified inspection BEFORE filing your insurance claim. (5) Then call insurance with date of storm and factual description only.

HAAG Education is the industry-standard methodology for residential roof inspection. The HAAG Certified Inspector. Residential credential is what insurance adjusters take seriously. When the adjuster reads a HAAG-formatted scope of loss, they recognize the methodology. claims move faster. Our General Manager Kevin Butler holds this credential and audits every storm claim DreamHome opens.

No. HAAG-Certified storm inspections are free. We don’t sign contingency contracts either. you’re not locked into using DreamHome even if your insurance claim is approved. We earn the work by being right about the damage.

Same-day emergency tarping is available throughout our service area during business hours. HAAG-Certified inspections are typically scheduled within 24–48 hours for active storm damage. We document while we tarp.

Four things to avoid: (1) Don’t speculate on cause. say “damage occurred during the storm on [date].” (2) Don’t accept the first scope. first-pass scopes are routinely incomplete. (3) Don’t sign anything labeled “final scope”. that closes your claim. (4) Don’t lead with “this is what my roofer thinks it’ll cost”. carriers price from their own software.

Depends on your policy. Most ACV (actual cash value) policies pay only the depreciated value; you pay the rest. Most RCV (replacement cost value) policies pay full replacement minus your deductible. Code upgrades (ice-and-water shield, drip edge) may or may not be covered depending on your policy’s law-and-ordinance coverage.

Field rule: if less than 25% of the roof is damaged AND the rest is under ~10 years old, the carrier typically approves repair only. If damage exceeds 25%, OR the rest is over 15 years old with widespread granule loss, replacement is typically approved. The middle zone often comes down to documentation quality. which is where HAAG methodology matters most.

Two paths: (1) Re-inspection with supplemental HAAG documentation if we believe damage was missed. (2) Hire a licensed public adjuster (different from a contractor) to negotiate with the carrier on your behalf. We do not act as public adjusters. that’s a separate licensed profession. but we can refer you to ones we’ve worked with successfully.