Claims can follow you
Insurers keep a history of the claims filed on your home. A claim, especially one that's denied or very small, can affect your premiums or renewal later.
Storm damage & insurance
Should you file a claim? Get a straight answer first.
Our founder is a former insurance claims adjuster with the CPCU and AIC designations. Answer five quick questions for an honest first read, then let us inspect your roof before you call your agent.
General guidance only, not insurance or legal advice. Every policy is different; your agent and your policy have the final word.
How it works with Limestone
From storm to new roof, step by step.
Free storm inspection
We inspect every slope and the attic, mark and measure any damage, and photograph all of it.
An honest read
We tell you whether the damage looks like it qualifies and is worth filing for. If it isn't, we say so.
You call your insurer
If filing makes sense, you open the claim. It's your policy, so the claim is in your name.
We meet your adjuster
We're on the roof with your adjuster on inspection day, with our photos and measurements, so nothing gets missed.
A clear written scope
Once the claim is decided, you get a written scope and price for your Owens Corning system before any work begins.
Install and photo report
One project lead runs your job. You get photos of every layer, which are useful for your records and your insurer.
Why we don't rush you
Filing too soon can cost you.
Your deductible matters
If the repair costs about the same as your deductible, a claim may not be worth it. We'll help you weigh that before you call.
Wear isn't storm damage
Policies generally cover sudden damage from hail, wind or falling trees, not a roof that has simply aged out. We'll tell you which one you're looking at.
Insurance know-how
Trained the way adjusters are.
Shawn Cook, our founder, worked as a claims adjuster and earned two professional insurance designations. That training is why our inspections are documented the way an adjuster expects to see them, and why our advice on whether to file is honest.
CPCU · Chartered Property Casualty Underwriter
A designation from The Institutes covering how property insurance policies and coverage work.
AIC · Associate in Claims
A designation from The Institutes covering how claims are investigated, evaluated and settled.
These are professional designations, not a public adjuster license. Your claim stays between you and your insurer.
Clear expectations
What we do, and what we don't.
We do
- Inspect, measure and photograph storm damage
- Give you an honest opinion on whether to file
- Meet your adjuster on the roof
- Provide a detailed written estimate for your system
We don't
- Negotiate your claim on your behalf
- Tell you what your policy covers; that's between you, your agent and your insurer
- Pressure you to file, or to sign before your claim is decided
- Promise you a free roof
Had a storm come through?
Book a free storm inspection. You'll get photos of everything we find and a straight answer.