Roofer photographing storm damage on a shingle roof to document an insurance claim

Roof Insurance Claim Help in Virginia & Maryland

We Document the Damage. You Keep Control of the Claim.

Denied or partially approved? We inspect the roof, document exactly what the storm did, prepare the repair estimate, and answer your carrier's questions about it. You keep control of the claim. Free inspection, no obligation.

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(301) 861-7445

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TAMKO Diamond Contractor

Licensed VA Class A #2705084385 · MHIC #142051 · Insured

Affordable Home Solutions inspects the roof, documents what we find, and hands you the evidence. What you do with it is your decision. We're roofers, not adjusters, and the difference matters more than most contractors in this market will tell you.

The basics

What is a roof insurance claim?

Homeowner's policies generally cover sudden, accidental damage from a named peril. For roofs in the DMV that usually means hail, wind, or a tree. They generally do not cover wear, age, or deferred maintenance, and that distinction is where most roof claims are decided.

An old roof that finally gave out is usually not a claim. An old roof that took hail in a documented storm often is, and carriers deny those as age all the time.

Two numbers decide what an approved claim is worth:

Your deductible

The amount you pay before the carrier pays anything, typically a flat dollar figure or a percentage of your dwelling coverage. You pay it. Always. More in the FAQ, because it's the most abused topic in this trade.

ACV or RCV

An actual cash value policy pays what the roof was worth on the day it was damaged, with depreciation subtracted for every year of its life. A replacement cost value policy pays that same depreciated amount up front, then releases the withheld depreciation after the work is completed and invoiced. Same roof, same storm, materially different check.

Which one you have is on your declarations page, and your agent can tell you what it means for your policy. We are not licensed to read your policy for you, and you should be skeptical of any contractor who offers to.

Where the line is

What we do, and what we don't

Virginia and Maryland both license public adjusters, and roofing contractors are not public adjusters. Under Virginia Code § 38.2-1845.12, only a licensed public adjuster can negotiate a settlement with your carrier on your behalf, or file a claim on your behalf, or advise you on what your policy covers. Maryland's rules match in substance, and a Maryland home improvement license does not change them.

You can always file your own claim and speak to your own carrier. Those are your rights as the policyholder. What the law restricts is a contractor doing it for you.

Most roofing companies in this market either don't know that or don't act like it. We'd rather tell you where the line is.

What we do

Inspect the roof and the attic, free, with no obligation
Document the damage we find
Prepare a detailed repair estimate
Answer your carrier's questions about our estimate
Explain what we found in plain language, so you can make your own decisions
Do the work, correctly, whether insurance pays for it or you do

What we don't

File your claim for you
Call your carrier and negotiate on your behalf
Tell you what your policy does and does not cover
Touch your deductible, in any form, for any reason
Promise you an outcome we do not control

The last one is worth sitting with. Any contractor who guarantees your claim will be approved is either telling you something they can't know, or telling you what they intend to do about it. Neither answer should get them on your roof. Not sure where to start? The free inspection is the no-obligation way to find out whether you have a claim at all.

The hard cases

Denied and partially approved roof claims

A denial isn't the end of the claim. It's the carrier's position based on what their adjuster saw in the time they spent on your roof, and it can be revisited when there is evidence that wasn't in front of them the first time.

Roof claims in this market get denied for a short list of reasons:

The adjuster attributed the damage to age or wear rather than the storm
The damage did not meet the carrier's threshold, often a set number of hits in a test square
The adjuster inspected the wrong slopes, or inspected from the ground
The date of loss on the claim does not line up with a storm the carrier has on record
Hail bruising was present and was not found, which happens, because bruising does not always break the shingle surface

A partial approval is the harder problem

The carrier approves the slopes with obvious damage and leaves the rest, and you're holding a check that pays for part of a roof. Two options: re-document the slopes that were left out and ask your carrier to reconsider, or finance the difference and build the whole roof now. There are two payment structures and you see the exact terms in writing before you sign anything.

What we can do about a denial

Re-inspect, document what was missed, and give you what we found in writing. You submit it to your carrier as a request for reconsideration. Most denials we see are documentation failures, and documentation is fixable, which is why a second look is worth taking.

When you want someone representing you: you can hire a licensed public adjuster. A public adjuster works for you, not the carrier, and they are the only party other than you or your attorney who can legally negotiate your claim. They typically charge a percentage of the settlement. Virginia and Maryland both maintain public licensing records, and there are not many who handle roof claims in this market.

And if the answer stays no: you can still get the roof. That's what the financing is for. A denied claim isn't a verdict on whether your roof needs replacing.

What you pay

What a roof claim actually costs you

If your claim is approved for a full replacement, you pay your deductible. Your policy names the number. You pay it to us, we build the roof, the carrier pays their scope.

You pay your deductible. There's no version of this where you don't.

A contractor who offers to cover it, absorb it, discount it, or "work with you on it" is proposing insurance fraud. It is illegal in Virginia and Maryland, and the exposure is not only theirs. Your name is on the claim. When a carrier opens a fraud file, the homeowner is the one holding the policy they may lose and the loss history they carry to the next carrier. It is a common offer in this market, particularly after a storm, and it should end the conversation every time you hear it.

If your claim is partial or denied, the roof is a purchase, and we've priced it to be one. Two complete packages, presented at your kitchen table:

Standard. A complete TAMKO Heritage system: full tear-off, the deck inspected and repaired, every system component, a 20-year material warranty and 5 years of our workmanship. Usually the one that lines up with an approved claim scope.
Platinum. A matched TAMKO Titan XT system, carrying a 160 mph wind warranty with TAMKO starter and hip and ridge, a 50-year material warranty that transfers with the house for 20 years, and 25 years of workmanship coverage under TAMKO DiamondShield.

Both are available on either payment structure, and we work with several lenders and place strong credit and thin credit both. If the roof is past repair, the roof replacement page covers what a full system involves, and the roof replacement page compares the two packages line by line.

Where we work

Where we handle claims

Licensed in Virginia and Maryland, and we cover both. Our claim and storm work is heaviest in five counties:

Office at 6402 Arlington Blvd, Suite #1030, Falls Church, VA 22042.

Credentials

Why homeowners with hard claims call us

TAMKO Diamond contractor

TAMKO's top tier. There are three in Virginia and five in Maryland. It carries a 50-year material warranty and a 25-year workmanship warranty.

Licensed and certified

MHIC #142051 in Maryland, VA Class A #2705084385 in Virginia. GAF certified, Owens Corning Preferred contractor, BBB listed.

In business since 2021, in the trade since 2017. Over 30 salespeople and a back office deep enough that the phone gets answered. Emergency tarping the same night, because a claim doesn't pause while your ceiling takes water.

What customers say

Homeowners who came to us with a claim

Just completed the final process for a new roof constructed by AHS. I was thoroughly impressed with AHS’s personnel specifically Brock Doctson. He took us through the entire process from talking to the insurance company to physically coming to the house for payment when needed. He explained the entire process in great detail and was very attentive in following up and answering any questions. AHS should be very proud of his work ethic. Will recommend this company to anyone.
Joe Jones
Worked with Brock Doctson
We just got our roof repaired with Affordable Home Solutions and we love our new roof. Ross came to our house to look at our roof and immediately told us to get in contact with our insurance while he was there. Throughout the process he was always checking in about the status and was patient with us as well. We had a leak one night and I let him know, next day he was covering the roof with a tarp where the leak was coming from.
Lizy Mejia
Worked with Ross
I recently worked with Affordable Home Solutions on getting my 25 year old roof replaced. The team was professional. Had the pleasure of working with Rama and Karl who explained the process, very knowledgeable in this business, provided a clear estimate and worked with my insurance to make sure I was covered. The work was completed in the expected timeframe, the crew was respectful, completed my roof in one day and cleaned up the property after the job was done. I would recommend Affordable Home Solutions to anyone who’s looking for reliable roofing services.
Gabriel Amador
Worked with Rama, Karl

Questions

Roof insurance claim questions, answered

Will my homeowner's insurance cover my roof?

It depends on what damaged it and what your policy says, and those are two questions with different answers. Carriers generally cover sudden accidental damage from a named peril like hail, wind, or a falling tree, and generally do not cover wear or age. What your policy covers is between you and your agent. Whether you've actually got storm damage worth filing on is something we can check for free, and that's where to start.

My roof insurance claim was denied. What can I do?

A denial can be revisited when there is evidence the adjuster did not have. Most roof denials we see are documentation failures rather than coverage disputes: the damage got attributed to age, the wrong slopes got inspected, or hail bruising was present and was not found. We re-inspect, document what was missed, and give you what we found in writing to submit to your carrier as a request for reconsideration. If you want someone to negotiate on your behalf, that requires a licensed public adjuster, and you can hire one directly.

Why is my insurance company not paying for my roof?

Commonly one of five reasons: they attributed the damage to age or wear, the damage did not meet their hits-per-test-square threshold, their adjuster inspected the wrong slopes or worked from the ground, your date of loss does not match a storm on their record, or hail bruising was present and was not found. Bruising does not always break the shingle surface, which is why it gets missed.

My claim was only partially approved. What happens to the rest of my roof?

Two paths. Re-document the slopes the carrier left out and ask them to reconsider, or finance the difference and build the whole roof now. Partial approvals are the harder problem, because you are holding a check that pays for part of a roof and a house that needs all of it.

Do I have to pay my deductible?

Yes. Always. Any contractor who offers to cover, absorb, discount, or "work with you on" your deductible is proposing insurance fraud, and the exposure lands on you as well as them. Your name is on the claim, your policy is the one that gets cancelled, and your loss history follows you to the next carrier. It is a common offer after a storm. It should end the conversation.

Do you handle the claim for me?

No, and no roofing contractor legally can. Under Virginia Code § 38.2-1845.12, only a licensed public adjuster can file a claim on your behalf, negotiate with your carrier for you, or advise you on your coverage. Maryland is the same. You can always file your own claim and talk to your own carrier, because you are the policyholder. What we do is inspect, document the damage, and prepare a repair estimate.

What is the difference between ACV and RCV on my policy?

An actual cash value policy pays what your roof was worth the day it was damaged, with depreciation subtracted for every year of its life. A replacement cost value policy pays that depreciated amount up front and releases the rest after the work is done and invoiced. Same storm, same roof, materially different check. Your declarations page says which one you have, and your agent can walk you through what it means for your policy.

Can I still replace my roof if my claim is denied?

Yes, and a denial is not a verdict on whether your roof needs replacing. Those are two separate questions and carriers only answer the first. We present both packages at your kitchen table, from a complete Heritage system to a matched TAMKO Titan XT system that qualifies for a 160 mph wind warranty when it is installed with TAMKO starter and hip and ridge, and financing is available either way. Plenty of our work is not insurance work at all.

Free inspection

Get your roof inspected before you file

An inspection tells you whether you have a claim worth filing. It's free, there's no obligation, and if you don't have damage worth filing on, we'll tell you that.