Roof Insurance Claims
Northern Kentucky & Greater Cincinnati
Filing a roof insurance claim doesn't have to be overwhelming. We inspect and document every area of damage with photos, provide jobsite presence during adjuster visits, and review the construction scope.
How TNT Helps With Your Claim
Thorough Photo Documentation
We photograph every area of damage from the roof surface — not just ground level. Close-up shots of impact craters, lifted shingles, failed flashing, soft metal dents, and granule loss give your carrier a clear picture of what happened.
Written Inspection Report
A detailed written report documents all findings. We include damage type, affected materials, approximate impact counts, and areas of concern — giving you a professional record before you make a single phone call to your insurer.
Adjuster Visit Presence
When your adjuster arrives, TNT can be on-site to point out damage areas that might be overlooked from the ground. We do not negotiate or represent you — that requires a licensed public adjuster.
Construction Scope Review
After your adjuster provides a written scope of loss, TNT reviews it to ensure all documented damage is accurately reflected in the construction scope. If additional damage is found, we provide supplemental contractor documentation for you and your carrier to review.
Understanding Your Roofing Estimate
We explain the construction scope, measurements, materials, code-required items, and our contractor estimate so homeowners understand what work is required. Insurance documents may use terms such as actual cash value, replacement cost value, and depreciation. TNT can explain how those figures relate to our construction estimate, but questions about policy interpretation, coverage, or claim settlement should be directed to the insurance carrier or a licensed insurance professional.
Building Code Requirements
We identify applicable roofing code requirements and document construction items that may be required for the project. Questions about whether an insurance policy provides coverage for those items should be directed to the insurance carrier or a licensed insurance professional.
TNT Roofing & Restoration LLC is a contractor, not a public adjuster, insurance agent, or insurance coverage adviser. We do not interpret insurance policies, negotiate claims, determine coverage, negotiate settlements, or represent insureds in claim settlements. We may provide construction estimates, damage documentation, photographs, measurements, and information about the scope of repairs, and may confer with an insurer's representative about property damage after the insured has submitted a claim.
The Typical Claim Process
Storm Occurs
After a hail or wind event, watch for visible signs like gutter dents or missing shingles. Do not wait for a leak — damage is often not visible immediately.
Get a Professional Inspection First
Call TNT before you call your insurance company. We inspect and document everything so you know what you have before filing.
File Your Claim
Contact your insurance carrier, provide your documentation, and request an adjuster inspection. Keep your claim number and all written communications.
Adjuster Inspection
TNT can be on-site during the adjuster visit. We point out damage from the roof level and provide our documentation. The adjuster makes the coverage determination.
Review Your Scope
Your carrier provides a written scope of loss. TNT reviews this to ensure your covered damage is accurately reflected before any work begins.
Restoration
Once approved, TNT completes the restoration with quality materials and backs the workmanship with our 10-year warranty.
Roof Insurance Claim Questions Answered
Get Your Roof Claim Started Right
Professional roof inspection with photos and documentation for insurance claims. Serving Northern Kentucky and Greater Cincinnati. Free evaluation. Call (859) 529-4507.