Your Insurance Advocate:
We Handle the Claim
So You Don't Have To.
Most homeowners accept the first number an adjuster writes. That number is almost always wrong. Our forensic inspection, documentation, and claim-support track record give homeowners the evidence needed to change it.
The 9-Step Insurance Claims Process
This is not a checklist. It is a managed process - every step executed by our team, so the only decision you make is when to schedule the inspection.
File Claim
We guide you through filing your insurance claim correctly from day one - before a single mistake limits your coverage. The language used in the initial filing matters more than most homeowners realize. Adjusters are trained to look for early admissions that allow them to narrow scope before the inspection even happens. We prevent that. We have you say exactly what needs to be said, nothing more.
Adjuster Inspection
We meet your adjuster on-site with our forensic documentation already in hand. You are never alone at this meeting. Our inspector walks the roof alongside the adjuster, pointing to specific impact patterns, referencing photographic evidence, and flagging every line item that deserves to be on the scope of loss. The adjuster knows what a prepared inspector looks like - and it changes how they work.
Estimate Review
We review the adjuster's estimate line by line to ensure nothing is missed, underpaid, or improperly scoped. Insurance estimates routinely exclude code upgrade requirements, drip edge replacement, ice and water shield, and manufacturer-required underlayment. We identify every omission and submit a written supplement with supporting documentation before a single shingle is ordered.
Claim Approval
Once the claim is approved, we walk you through every detail before work begins. You understand exactly what was approved, what materials will be used, what the timeline looks like, and what your out-of-pocket responsibility is. The answer to that last question is almost always: just your deductible. No surprises, no hidden costs, no change orders after the fact.
Schedule Installation
We coordinate materials, crew, and timeline around your schedule - not ours. Once materials are confirmed with the manufacturer, we provide a firm installation date and a direct contact for any questions. We do not use subcontractors. The crew that shows up to your home is our crew, trained on our standards, accountable to us.
Oversee Installation
A project manager is on-site for the entire installation. No subcontractor surprises. No missing crew. No shortcuts on ventilation or flashing. The manufacturer warranty you receive at the end of this job is only valid if the installation meets their certification requirements - and we meet them because our project managers enforce them in person, on every job, every day.
Bill Insurance Directly
We handle all insurance billing directly. You pay your deductible and nothing more. We submit the final invoice to your carrier, manage the Recoverable Depreciation release, and handle any supplemental billing that arises during installation - including the code upgrades your adjuster initially left off. You do not need to touch your carrier again after the claim is filed.
Warranty Registration
Your new roof is backed by both manufacturer and workmanship warranties - all in writing, all registered in your name. GAF and Owens Corning warranties cover manufacturing defects for 25 to 50 years depending on the product tier selected. Our workmanship warranty covers installation for five years. Every document is provided at job completion and registered the day the job is finaled.
Enjoy
A forensically verified, insurance-approved roof protecting your home for decades. That is the NXT LVL standard. You did not need to fight with your insurance company. You did not need to understand what an ACV vs. RCV settlement means. You did not need to know what recoverable depreciation is or how to invoice for code upgrades. We handled all of it. That is what we exist to do.
Why Insurance Adjusters Take a Complete Claim File Seriously
Insurance adjusters are trained to identify what qualifies as a covered loss and what does not. When the homeowner is represented by a contractor who arrives with photographic evidence, hand measurements, soft-metal impact findings, storm-date correlation, and a written summary already in hand, the adjuster's job shifts from re-inspecting to reviewing what has already been documented. That changes the negotiation entirely.
This matters in practice. Adjusters who encounter a contractor with a complete documentation file know that if they underscope the damage and the claim is disputed, the documentation will hold. Most adjusters adjust their scope accordingly - before they leave your property.
The result: faster approvals, fewer supplement cycles, and settlements that cover the actual scope of work. Our clients do not spend months in claims purgatory. The average NXT LVL insurance claim is approved within two to three weeks of the adjuster inspection.
Photographic evidence, soft-metal impact findings, storm-event correlation, and a written summary — assembled before the adjuster arrives. Most roofers do not bring this to the meeting.
The Damage Your Adjuster Missed Is the Damage That Costs You
A standard visual inspection finds what is visible from a ladder. It misses most of what matters. Our 30-point forensic audit uses equipment and methodology that a walk-around inspection cannot replicate.
Hail Bruising: Sub-Surface Impact
Hail impact bruises the fiberglass mat beneath the granule layer. The granules cover the damage - so it looks undamaged from the surface. But the mat is fractured. Water infiltrates. Lifespan drops from 20 years to 5 to 8. Standard visual inspections miss this. Our inspectors are trained to identify sub-surface bruising on-contact, using industry-standard impact size and density criteria.
This finding alone often changes a denied claim into a full replacement approval. Insurance policies cover functional damage, not just cosmetic damage - and sub-surface bruising is functional damage by definition.
Interior Leak-Path Documentation
Water that enters through storm damage often shows up first on interior finishes - ceiling stains, wall discoloration, attic wetness around penetrations. Our inspectors document these interior indicators with photos, notes, and location references so the claim file connects roof-surface findings to observable water intrusion inside the home. This is evidence, not opinion, and insurance adjusters treat photographed interior indicators differently than a contractor's verbal assessment.
Interior water intrusion that connects to a storm event is typically covered under most Idaho homeowner policies if we can document the storm as the point of entry. We can, and we do. Visit our Storm Damage page for more on weather event documentation.
Your Insurance May Owe You More Than a New Roof
Idaho building codes require that any permitted roof installation meet current standards - even if your existing roof was installed to older code. When your roof is replaced under an insurance claim, it must be brought to current code. Your insurance carrier is required to cover that cost. Most homeowners never know to ask for it.
Code upgrades commonly include: updated drip edge configuration, sealed decking panels under specific wind exposure categories, expanded ice and water shield coverage zones, and current code-compliant ridge ventilation. On an average Treasure Valley home, code upgrades add $800 to $2,400 to the approved scope - money you were entitled to that most roofers never claim on your behalf.
Our 30-point audit includes an Idaho code compliance check as a standard line item. If upgrades are applicable, we document them before the adjuster inspection and include them in the initial scope submission. We do not supplement for items we should have documented up front.
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Drip Edge Upgrade
Current Idaho code requires specific drip edge profiles and installation methods not present on roofs installed before 2015.
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Ice & Water Shield Extension
Coverage zones have expanded under current code. Existing installations are frequently undersized by 12 to 36 inches at eaves and valleys.
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Ridge Ventilation Standard
Net free area requirements for attic ventilation changed with the 2018 IRC adoption. Non-compliant ventilation must be corrected on replacement.
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Sealed Deck Requirement
Wind exposure categories B and C - which cover most of the Treasure Valley - require sealed deck panels not required under older code.
We Don't Win by Manufacturing Urgency
"If we inspect your roof and determine that an insurance claim won't benefit you, we'll tell you honestly and provide a cash bid for what genuinely needs to be done. We do not manufacture urgency."
Start with a Free 30-Point Inspection.
No Obligation. No Pressure.
Your deductible is the only number you should be writing. Let us document your roof, meet your adjuster, and manage your claim from first contact to final warranty. The inspection costs you nothing.
Three Things Homeowners Get Wrong About Insurance Claims
"My claim was already denied."
A denial is not final. Insurance carriers deny claims for specific documented reasons - and those reasons can be challenged with the right counter-documentation. The most common denial reason we see is "insufficient damage for replacement." Our sub-surface bruising documentation and interior leak-path evidence has overturned that determination on claims that were denied months before a homeowner called us. If your claim was denied, request the denial letter and call us before you accept it.
"My neighbor used the same roofer and had no problems."
The question is not whether your neighbor's roof got replaced. The question is whether they received the full scope of coverage they were entitled to. Homeowners who use non-specialist contractors routinely leave code upgrade coverage, recoverable depreciation, and supplemental line items on the table - simply because their contractor did not know to document and claim them. You will not know what you missed until you see what a fully-managed claim looks like.
"I don't want my rates to go up."
Storm damage claims are classified differently than at-fault claims in Idaho. A weather event claim filed by multiple homeowners in the same area - which is the case in every hail or wind event - rarely results in a rate increase. Your carrier actuarily attributes the loss to the weather event, not to your property's risk profile. We recommend you confirm this with your agent, but in our experience across hundreds of Treasure Valley claims, rate increases from storm damage are the exception, not the rule.
When the Deductible Is Still Too Much
Even when insurance covers the full replacement cost, the deductible can be a barrier. We offer multiple financing paths - including a no-hard-credit-inquiry option through Watercress - that allow you to spread that cost over time without impacting your credit score. Long-term fixed-rate options are also available for larger projects or upgrades beyond what insurance covers.
We do not want a deductible to prevent you from getting a roof your home needs. Financing approval typically takes under 24 hours and does not affect your insurance settlement in any way.
View All Financing Options →No hard credit inquiry. Get approved without impacting your score.
Zero interest if paid in full within 12 months.
Fixed-rate long-term financing with predictable monthly payments.