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Residential street in the Lehigh Valley after roof replacements

Advice

Straight answers,
no pitch.

Storm damage, insurance claims, and how to tell whether the person at your door is real. Written for homeowners rather than for search engines.

Start here. The most useful page here is the guide to checking out a roofer before you sign. If somebody knocked on your door after a storm, read that one first.

Insurance

Should you call your insurer or a roofer first?

Get the roof looked at first. A claim you file before anybody has been up there is a claim on your record whether it pays out or not.

Read it
Insurance

Can a roofer pay my deductible in Pennsylvania?

No. There is no state law that names deductibles, and that is the part most people get wrong. Here is the law that does apply.

Read it
Insurance

ACV vs RCV: what your policy pays on a roof

One pays the depreciated value of a worn roof and stops. The other pays the rest once the work is done. Check which one you have before you budget.

Read it
Insurance

How long do I have to file a roof claim in PA?

Your policy sets that deadline, not Pennsylvania law, and the clock starts the day of the storm rather than the day you noticed.

Read it
Storm

The first 48 hours after a hailstorm

What to do, in order, before you call anybody. Most of the mistakes homeowners make after a storm happen in the first two days.

Read it
Insurance

Does hail damage always mean a new roof?

No, and a contractor who says otherwise before getting on the roof is guessing. Here is what decides it.

Read it

Or skip the reading
and just ask.

Free inspection, photographed, with a straight answer on whether the roof needs work.

Call (610) 890-4800