About Roofing Claim Guide
Roofing Claim Guide is an independent research resource for homeowners navigating roof insurance claims. We are not a roofing company, an insurance broker, or a public adjuster firm. We do not sell roofs, write policies, or represent claims. We research how state statutes, carrier practices, and contractor verification actually shape claim outcomes — then publish that research as guides and tools that homeowners can use before, during, and after a claim.
On this page
- Who We Are
- What We Do
- How We Make Money
- Editorial Standards
- Our Research Process
- What We Publish
- Contact
- Frequently Asked Questions
Who We Are
Roofing Claim Guide is operated by a pseudonymous editorial team. The team includes researchers, editors, and analysts working on roof insurance claim outcomes, contractor risk verification, and roofing material decisions. The pseudonymous byline is a deliberate choice: claim guidance is shaped by jurisdiction, regulatory cycles, and carrier behavior patterns, not by any one expert's track record. The research is what we stand behind.
We focus on roof insurance claims because the gap between what homeowners are told and what they actually collect is wider here than in almost any other home insurance category. A 12-year-old asphalt roof in Florida settles differently than a 6-year-old Class 4 roof in Colorado, even when both policies look identical at first glance. The rules change every legislative session in active reform states like Florida (SB 2-A, SB 4-D) and Texas (HB 1422). Our job is to publish research that holds up to those moving rules and to make the math transparent before homeowners commit to filing, signing, or hiring.
What We Do
Three categories of content. Each one maps to a decision homeowners face at a different stage of the claim lifecycle.
Claim Research and Decision Guides
The core of the site. The claim process guide, ACV vs RCV coverage guide, 48-hour storm checklist, storm chaser verification guide, and the Class 4 impact-resistant shingles decision guide cover the decisions every roof claim eventually involves: when to file, what your policy actually pays, how to document damage, which contractor to trust, and whether premium upgrades pay back.
State Insurance Claim Hubs
Roof insurance law varies more than most homeowners realize. We publish state hubs for the five states with the most active roof claim markets: Texas, Florida, Colorado, California, and New York. Each hub covers the state's statute of limitations, AOB status, public adjuster cap, contractor-induced loss rules, and the most common reasons claims settle low in that market.
Material Cost Research
Roof material guides for homeowners deciding what to install with or without insurance funding part of the replacement. Each guide breaks down installed cost ranges, expected lifespan, insurance discount eligibility, and the claim-payout implications of choosing one system over another: asphalt shingle, metal, clay tile, and slate.
How We Make Money
Roofing Claim Guide generates revenue through a pay-per-call referral model. Here is exactly how it works.
When a homeowner calls the phone number on this site, the call routes to a roofing contractor in our network that services the caller's area. We earn a referral fee for completed connections. The homeowner pays nothing for the call.
What this means for you
Calling the number connects you with a roofing contractor who services your area. You are under no obligation to hire that contractor, accept their estimate, or sign anything during or after the call. The contractors in our network are independent businesses; we do not control their pricing, scheduling, scope, or post-call conduct. You should verify their license, address, and insurance directly using your state contractor licensing board before signing any work order — and our contractor verification guide walks through exactly how.
What this does not affect
Referral revenue does not influence the research we publish. No roofing contractor, public adjuster, attorney, or insurer pays for favorable placement, mention, or modified guidance in our guides. The editorial team operates independently of the revenue operation and does not have visibility into which contractors are in the referral network. We do not publish carrier rankings, contractor rankings, or attorney rankings, because any ranking we published would be exposed to manipulation by the revenue side.
The full revenue-and-editorial split is documented in our research methodology page.
Editorial Standards
Six standards govern every page on this site. They exist because roof insurance claims are high-stakes decisions, and the research that informs those decisions has to be auditable.
- Primary-source citation. Every state statute, DOI bulletin, regulatory filing, or carrier rate manual we reference is cited to the controlling authority. Secondary summaries from contractor blogs, agent marketing, or AI overviews are not acceptable sources.
- Reform-date segmentation. Claim outcome data from before SB 2-A (Florida 2022), SB 4-D (Florida 2022), HB 1422 (Texas 2023), or SB22-216 (Colorado 2022) is segmented from post-reform data. We do not blend pre- and post-reform windows into misleading averages.
- Multi-source cost ranges. Every published material cost range is built from regional contractor surveys, manufacturer wholesale pricing, NRCA cost reports, and BLS labor rate data. No single-source ranges, no contractor-marketing-derived numbers.
- Update cadence published. Every guide displays its last-updated date. State hubs are reviewed quarterly. Material guides are reviewed every six months. Coverage decision guides are reviewed annually or event-driven by regulatory action.
- No ranking content. We do not publish "best carrier" or "best contractor" rankings. Carrier and contractor behavior is too contextual for a useful ranking, and rankings invite manipulation by the revenue side.
- Corrections within 7 business days. Any reader who flags a factual error gets a documented response within seven business days. Substantive corrections trigger a page-level last-updated bump and a footnote in the page history.
Our Research Process
Every cost range, deadline, statute reference, and claim outcome pattern on this site comes from a documented research pipeline that pulls from state statutes, DOI bulletins, carrier rate filings, IBHS testing protocols, NRCA technical bulletins, NAIC complaint data, state contractor licensing boards, NOAA storm event records, and anonymized homeowner-submitted claim documents.
The full process — including how we segment data by carrier mix and reform date, how we verify against state-specific realities, and how the AOB and public adjuster layer is researched — is documented on our research methodology page.
What We Publish
Roofing Claim Guide currently publishes:
- 5 state insurance claim hubs (TX, FL, CO, CA, NY) covering statute of limitations, AOB status, public adjuster caps, and carrier behavior patterns in each state
- 4 roofing material cost guides (asphalt shingle, metal, clay tile, slate) with installed cost ranges, lifespan, and claim-payout implications
- 1 Class 4 impact-resistant shingles decision guide covering the insurance discount math, IBHS rating mechanics, and payback timeline by state
- 4 claim-stage decision guides (claim process, ACV vs RCV coverage, 48-hour storm checklist, storm chaser verification)
- 1 research methodology page documenting the segmentation factors, sources, and verification process behind every guide
Every page is written, reviewed, and maintained by the editorial team. We do not accept guest posts, sponsored content, third-party editorial contributions, or syndicated articles.
Contact
The team reviews every message and responds within two business days.
Email: info@roofingclaimguide.com
Claim document submissions. Homeowners with claim documents, settlement letters, denial correspondence, or supplement paperwork that could improve our research are welcome to submit them. All documents are anonymized (carrier name, claim number, policyholder details, dollar amounts where appropriate redacted) before any use in our research, and are never shared with contractors or third parties.
Public adjuster and attorney submissions. Licensed public adjusters and property insurance attorneys with case-pattern data, state-specific procedural insights, or correction requests can reach the editorial team directly at the email above. We do not publish individual attorney or PA recommendations.
Roofing contractor submissions. Contractors with regional cost data, scope-of-work patterns, or claim-handling experience can submit data to the editorial team. Contractors are not featured, ranked, or named in our research; submissions are anonymized and aggregated into the regional cost-and-practice database.
Frequently Asked Questions
Who runs Roofing Claim Guide?
Roofing Claim Guide is published by a pseudonymous editorial team focused on roof insurance claim research. The team includes researchers who track state statutes and DOI bulletins, editors who review claim guidance for accuracy and clarity, and analysts who maintain the state-by-state coverage comparisons and material cost models.
Is Roofing Claim Guide a roofing company or an insurance broker?
Neither. Roofing Claim Guide is an independent research resource. We do not install roofs, sell roofing products, broker insurance policies, or adjust claims. We publish research on roof insurance claims, contractor verification, and material decisions, and we connect homeowners with qualified local roofing contractors who can scope and execute the work.
How does Roofing Claim Guide make money?
When a homeowner calls the phone number on this site, we connect them with a local roofing contractor in our network that services their area. We earn a referral fee for completed connections. The homeowner pays nothing for the call. Referral revenue is not tied to any specific contractor recommendation or outcome — it pays for the call itself.
Where does your claim guidance come from?
Every state regulatory citation is sourced from the controlling statute, the Department of Insurance bulletins, and where applicable, appellate case law. Claim settlement patterns are derived from carrier rate filings, NAIC complaint data, market conduct examination reports, and interviews with licensed public adjusters and property insurance attorneys. We do not republish carrier marketing or contractor sales material as claim guidance.
Can your guides replace a public adjuster or attorney?
No. The research on this site is general claim guidance, not legal or coverage advice. Decisions about appraisal demand, pre-suit notice, AOB execution, or litigation should be made with a licensed public adjuster or property insurance attorney in your state. Our guides help homeowners understand what to ask, what deadlines to track, and what claim outcomes are typical — not what to do on a specific claim.
How do I contact the team?
Email info@roofingclaimguide.com. We review every message and respond within two business days. Homeowners with claim documents, settlement letters, or denial correspondence to share help us calibrate our research; documents are anonymized before any use.