Roof insurance claims and storm repair in South Lebanon, OH

American Roofing Technologies handles roof storm damage and insurance claims in South Lebanon, Cincinnati, Lebanon and Loveland. A HAAG certified inspector looks at your roof, photographs the damage and dries it in so it doesn't get worse. We work directly with your insurance company, meet your adjuster on the roof, and send the photos and supplements.

Ohio Valley storms bring heavy wind, lightning and hail, and they damage homes and businesses. Even a good roof can take a hit. Here's how a claim goes with us.

1. Call us. We send a HAAG certified inspector to assess the damage and dry in your home or business to prevent more damage.

2. We work with your insurer. We add ourselves to the claim as your spokesperson and provide the photos and supplements.

3. The adjuster visits. After you file, an adjuster comes out to estimate the damage. Our roofers meet the adjuster on the roof, in a free adjuster meeting, to make sure every needed repair is covered.

4. You get a coverage summary. The adjuster writes up what the claim covers.

5. We push back if needed. If something doesn't add up, we can request a second adjustment or an engineer on site.

6. We match the roof. If the materials for the repair aren't available or don't match, the insurer may pay for an ITEL report to match the color and brand of your existing roof.

7. We finish the work. Once it's done, we bill any necessary supplements.

What do I pay? You pay your deductible, which runs from $500 to $5,000. Find out if yours is a percentage or a set amount. The inspection and adjuster meeting are free, and so is your estimate. On claims over $5,000, your mortgage company goes on the check too, and you and the lender both endorse it before it's paid.

What should my policy cover? An Actual Cash Value (ACV) policy pays the depreciated value of what was damaged. A Replacement Cost Value (RCV) policy pays the full cost to replace it. Check that your policy covers everything you need. Pick your insurance company carefully. Some larger companies care more about signing new customers than keeping them. Choose one that looks after its customers when they file.

What if my claim is denied, or the adjuster approves too little? It happens. An initial claim can be denied, or the adjuster can approve only a minimum repair that doesn't reach your deductible. We advocate for you and push to get your roof replacement approved. Ask us for examples of roof repairs and replacements we've gotten approved by insurance.