Homeowners Insurance Claims


Storm related damage comprises nearly 3.3 billion dollars in the United States annually. What most homeowners are not aware is that this number is not mainly derived from disasters such as the Joplin tornado in this video. Most storm damage is comprised of rebuilding or remodeling after wind and hail events. Below we have outlined, what hail does to your home, how we perform a thorough inspection process for our clients and the claim process if we determine a claim is necessary.

Hail Damage


Hail can damage shingles when even as small as nickel sized. Depening on variables such as hardness and wind speeds, these stones can fly at speeds in excess of 150mph. When propelled in such fashion, the typical asphalt shingle holds little resistance against the icy shrapnel.

Go up on a roof with owner Matt Spanton to see first hand the devastating effects hail can have on your home.

Inspection Process

Inspection Process

The CAT Inspection process is derived from the same practices as your insurance adjuster will use. As previous adjusters, the owners and management feel it’s in the best benefit for our customers to inspect the home as your insurance company will. See how CAT reps will determine the condition of your home through using our CATch ALL 20 point inspection procedure. CAT also follows the guidelines from industry experts HAAG Engineering in our procedures for determining roof replacement. Not every roof needs to be replaced however if a CAT representative deems it to warrant a replacement you can assure that your home has lost integrity from the storm.

Claim Survival Guide

After your rep has performed the CATch All 20 Point Inspection on your home he will offer the results for your decision in filing a claim. Should you choose to file a claim, the following videos and guide are a step by step process to follow.


We will supplement the claim for you. There are times which the insurance company may miss partial items or even entire trades. Not to worry, CAT will contact your insurance company and provide evidence and estimates for those items to be accounted for. We utilize the same software and estimating systems as your insurance carrier does in order to find common and fair market pricing.

File Your Claim

LOCATE your homeowner’s insurance policy and be sure to keep it handy. Now is an excellent time to find out your deductible amount for future reference.

CONTACT your insurance carrier. You can call your 1-800 claims line or many of our clients find filing online faster, which avoids lengthy hold times.  Your carrier will ask you the date of loss so be sure to ask your CAT rep the best date to work under. To file online click on the button below and then find your insurance company’s logo to choose. If you feel more comfortable calling it in, we’ve listed some of the most common insurance company’s claim lines for your convenience.  Most carriers require a quick sign up process. If you land on a page to sign up, enter your info and it will take you to the claim filing page.

RECORD the information your insurance company gives you. Your insurance company will assign a claim number, and adjuster to your loss. Be Sure to the adjuster information as well as the claim number in the packet your CAT representative provided you.


SCHEDULE the adjustment. Your insurance carrier will assign an adjuster who will visit the home to confirm our results and damage severity. 84% of the claims we originally inspect and are present at the initial adjustment get fully-approved. 37% of Claims where customers are not represented end up with some sort of major claim assistance needed. CAT strongly suggests our clients take advantage of our Field Reps ability to help negotiate the proper claim settlement. During these times your insurance adjusters are very busy, however, by suggesting they schedule the adjustment with our rep, we can be sure we present our “CATch All” inspection results and offer a detailed scope of what needs to be repaired or replaced on the home.

A DETAILED ANALYSIS is crucial for a positive outcome. We know what it takes to complete the roofing project and will be sure the settlement includes everything you need to restore your home to pre-storm condition. CAT provides your insurance carrier with a full Aerial Analysis from and scope report to ensure your home is estimated with the most advanced technology available. This ensures there are no discrepancies on size or estimating materials, making the process clear and painless.

ADJUST: Next the property adjustment assistance is key in facilitating an expedited claim process. Our Rep will attend the adjustment along with your insurance adjuster in order to provide scope assistance and give the claim a second set of eyes. Even the best have a bad day and in the event your adjuster overlooks key claim items, well be there to ensure proper settlement.

A CLAIM SUMMARY will be presented by your insurance adjuster once the adjustment is completed. The claim summary is an itemized scope of damages with market pricing allowances for each individual item. Some Adjusters present this before leaving the property while others mail it to you. It’s critical to present this to your representative for review in its accuracy once you receive this Summary. CAT utilizes the exact pricing system your insurance carrier does so the purpose of reviewing their summary isnt for pricing but to ensure they accounted for the proper number items, measurements, and that the linear footages are correct.


Insurance Companies commonly assign the check as a two-party check by adding the mortgage carrier as a co-payee. Properties with a mortgage lien are entitled to secure funds in escrow or hold the funds until a contractor has been chosen for disbursement. This can be a time consuming and frustrating process. CAT Contracting has a designated employee which facilitates the logistics of such properties in need of recovery and endorsement. To review a more comprehensive explanation of this click the Read More button below.

Depreciation Recovery

Almost all insurance carriers apply depreciation to each item in the settlement. Think of this as hold back for the difference in value of what your roofing/siding is worth aged (damaged) vs. what it will be worth when it’s newly restored. CAT  performs the project based off the insurance company’s settlement so that when the repairs are complete, we can issue the proper invoice to your carrier for you. When we do so, the insurance carrier then pays you only for the depreciation they applied for the items repaired.