The Insurance Claim Process
Understanding your role and ours in the insurance claim process
Our Role as Your Contractor of Record
Carolina Trophy Roofs serves as your Contractor of Record, providing expert documentation, detailed estimates, and comprehensive construction planning. We work within our licensing to help you navigate the claim process while you maintain direct communication with your insurance carrier.
Step-by-Step Claim Process
Report Your Claim
Contact your insurance carrier immediately after discovering damage. We can help you find your carrier's claim hotline and determine an approximate date of loss.
What You'll Need:
- • Policy number
- • Date of loss (storm date)
- • Description of damage
- • Contact information
Professional Damage Assessment
Our certified professionals conduct a comprehensive inspection, documenting all visible and hidden damage using advanced techniques and equipment.
Our Documentation Process:
- • Detailed photo and video documentation
- • Measurements and technical assessments
- • Code compliance evaluation
- • Hidden damage investigation
Insurance Adjuster Meeting
We meet with the insurance adjuster on your property to present our findings and ensure all damage is properly documented and understood.
During the Adjuster Meeting:
- • Present comprehensive damage documentation
- • Point out areas of concern
- • Discuss construction methodology
- • Address adjuster questions professionally
Detailed Construction Estimate
We provide a comprehensive estimate based on proper construction practices, local building codes, and materials needed to restore your property to pre-damage conditions.
Our Estimate Includes:
- • Line-item breakdown of materials and labor
- • Code upgrade requirements
- • Proper construction sequencing
- • Manufacturer specifications
Claim Resolution & Construction
Once your claim is approved, we execute the construction plan with the same attention to detail used in our documentation process.
Construction Phase:
- • Permit acquisition and scheduling
- • Quality materials and workmanship
- • Regular progress updates
- • Final inspection and warranty
Insurance Carrier Claim Hotlines
Need to file a claim? Here are the direct hotlines for major carriers serving North Carolina:
State Farm
Allstate
USAA
Farmers Insurance
NC Farm Bureau
Nationwide
Progressive
Liberty Mutual
When Claims Require Additional Support
If your insurance carrier doesn't act in good faith or if complex disputes arise, we can introduce you to licensed public adjusters in our professional network who can take your claim to appraisal when necessary.
Important Considerations
What We Do
- • Document all storm damage thoroughly
- • Prepare detailed construction estimates
- • Meet with insurance adjusters
- • Provide expert construction planning
- • Execute approved construction work
Claim Filing & Negotiation
- • You file the claim directly with your carrier
- • You negotiate claim terms with your carrier
- • Licensed public adjusters handle appraisal process
- • We provide technical support and documentation
Need Help with Your Insurance Claim?
Get expert documentation and construction planning from your trusted Contractor of Record.