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What a roofer legally can do in a New York claim, what we actually do — and the pitches that should make you close the door.
We inspect, photograph, and document storm damage, and we give you a written repair estimate. Your insurance company decides what’s covered — we can’t negotiate your claim, and by New York law only a licensed public adjuster or attorney can represent you in one.
You file the claim — it takes one phone call to your carrier. We meet the adjuster on your roof and walk them through what we found. No contractor can promise your claim will be approved. We make sure the damage is documented so the decision is made on complete information.
Straight talk on insurance claims. We inspect, photograph, and document the damage, and we give you a written, itemized estimate you can hand to your insurer — and we can meet your adjuster on the roof. Your insurance company decides what’s covered. We don’t negotiate settlements — by New York law only a licensed public adjuster or attorney can represent you in a claim. We never pay, waive, or absorb deductibles (New York GBL §771-b makes that insurance fraud), and no contractor can promise your claim will be approved.
We photograph everything, roof to gutters.
If the damage doesn’t justify a claim, we tell you so. Sometimes the answer is “your roof is fine.”
One phone call — we’ll tell you what’s documented. When the adjuster visits, we’re on the roof with them.
To code, on schedule, in writing.
Slope by slope, dated, and organized the way an adjuster reviews them.
Line items an insurer can actually evaluate — not a lump-sum number on a napkin.
Policies require prompt notice, and most carriers apply a one-to-two-year practical window. The April 2025 storm is inside that window today — it won’t be for much longer.
Questions about any of it? Ask on the phone before we ever climb a ladder: (716) 510-5227.
We inspect, photograph, and prepare an itemized estimate you can submit, and we’ll meet your adjuster on the roof so nothing gets missed. Your insurer decides coverage. Under New York law we don’t negotiate settlements, don’t waive deductibles, and never promise approval.
It’s a red flag. In New York, waiving or hiding a deductible is insurance fraud, and “free roof” pitches are how storm-chasing outfits operate. A legitimate contractor documents the damage honestly and lets the facts carry the claim.
Some policies carry a separate, often percentage-based deductible for wind and hail claims — 1–2% of your dwelling coverage instead of a flat dollar amount. Check your declarations page or ask your agent; it changes the math on whether a claim makes sense.
You can request a re-inspection, hire a licensed public adjuster, or pay out of pocket — and under GBL §771-b you have three business days after a written denial to cancel a storm-repair contract. A denial with our photo documentation attached is also easier to challenge than one without.
No. In New York you choose your own contractor. Your insurer decides what’s covered; who does the work is your call.
It’s carrier-dependent. Claims from a widespread, documented storm event are typically treated differently than one-off claims — ask your agent how your carrier handles catastrophe claims before you file.
Free inspection, photos of every slope, and a written, itemized estimate. Whether you file — and with whom you build — stays your decision.
Free inspection, photo documentation, and a written estimate — the decision stays yours, start to finish.
