December 13, 2025
Insurance doesn’t have to be overwhelming... But for most homeowners, it is!
Between adjusters, estimates, documentation, and confusing terminology, many people feel lost before the process even starts.
In Episode 4 of The Royal Podcast — Powered by United Roofing, Ethan and Alyssa break down the truth about roofing insurance claims:
what really matters, what to avoid, and how homeowners can protect themselves from expensive mistakes.
Here’s the episode distilled into a clear, helpful guide.
When a storm hits or a leak appears, homeowners expect insurance to step in and help. But the process often feels stacked against them.
That’s because:
• insurance companies are built to verify, not assume
• documentation must be crystal clear
• timing matters more than people realize
• small mistakes can derail an entire claim
The good news?
With the right support, homeowners can navigate the process with confidence and often secure full coverage for storm-related damage.
Most homeowners believe:
“If my roof is damaged, insurance will cover it.”
The reality is:
Insurance only covers sudden, accidental storm damage, not wear and tear.
That’s why inspections need to happen fast.
Waiting too long blurs the line between storm damage and aging, making claims harder to approve.
Adjusters aren’t looking for every detail. They’re looking for:
✔ signs of recent storm activity
✔ clear, photo-documented proof
✔ damaged areas that match storm reports
✔ consistency across the roof
But here’s the issue:
Homeowners don’t know what adjusters need and many contractors don’t help them prepare.
United Roofing does.
Because when the photos, measurements, and damage reports are complete and organized, adjusters can make faster, more accurate decisions.
Not all roofing companies understand the insurance process.
Some even make it harder.
A contractor who truly knows insurance will:
✔ document every slope using industry standards
✔ match damage to specific storm dates
✔ communicate directly with adjusters
✔ prevent mistakes that lead to denials
✔ protect the homeowner from underpayments
At United Roofing, the goal is simple:
be a guide, not a salesperson.
Insurance is confusing — homeowners shouldn’t navigate it alone.
Here’s what every homeowner should do immediately after spotting damage or after a major storm:
Insurance can’t act on guesses.
A certified inspection provides the evidence needed to move forward.
Photos. Dates. Weather conditions. Interior signs.
Every detail matters.
Delays create doubt.
The sooner the claim is filed, the easier it is to prove the damage.
Tarps are fine — but patch jobs can invalidate claims.
Always consult a pro first.
The combination protects the homeowner from start to finish.
A Greenville homeowner named Lauren once filed a claim on her own.
She thought she did everything right — until the adjuster denied it, saying:
“There isn’t enough evidence to confirm storm-related damage.”
When she came to us, our team reinspected the roof, found the real storm impacts, and organized the documentation adjusters rely on.
Insurance reopened the claim.
The roof got fully approved.
And Lauren said afterward:
“I didn’t need a contractor. I needed a guide — and United Roofing was it.”
This is why guidance matters.
Insurance isn’t the enemy; miscommunication is.
If the inspection is professional, the documentation matches the storm date, and the homeowner has a team advocating for them…
claims get approved far more often than people think.
The process becomes far simpler, faster, and less stressful.
Every homeowner deserves clarity, not confusion.
The right partner can turn a complicated process into a smooth, predictable one.
That’s what the Royal Treatment is about , not just fixing roofs, but protecting homeowners when they need it most.
Listen to the full conversation on Spotify or YouTube.
📅 Book your FREE inspection today! - https://www.unitedroofing.ai/book-free-inspection
Your roof protects what matters most . And we’re here to protect you through every step of the insurance process.