Roofing · Insurance restoration · Greater Dayton
Roof Insurance Claim Help in Dayton, Ohio
Storm damage and a claim to file? We inspect your roof for free, document the hail or wind damage, meet your insurance adjuster at your home, and replace the roof once your insurer approves the claim.
See how we handle storm damageHow it works
The roof insurance claim process, step by step
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Free roof inspection
We come out as soon as we can and document the whole property, starting on the ground and then on the roof. It takes 30 to 45 minutes.
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Make it watertight
If water is coming in, we install an emergency tarp to keep it out and prevent further damage to your home.
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You open the claim
You call your insurance company or your agent and report the storm damage.
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We meet your insurance adjuster
We meet them at your home, show them everything we found, and help however we can to keep the claim moving.
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We go over the scope with you
Your adjuster writes the estimate, and when your insurance company sends its decision, we explain in plain words what it covers. Our team checks the estimate line by line against our own aerial measurements. When items are missing, we send your insurance company a supplement with the photos and measurements behind it, and we follow up by phone and email until every item has been reviewed. A claim can take anywhere from two weeks to six months, depending on your insurance company.
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We build it
Once the claim is approved and funded, your project goes on our schedule. It usually starts a week or two after that. Most roofs are finished in one day and built to The Helping Hands Roofing Standard.
What we bring to a claim
How we document your roof for the claim
An adjuster can only work with what's in front of them. When the record is thin, the conversation happens from the driveway, and details get lost that a homeowner has no way to recover later.
So we document the whole property, starting on the ground and then on the roof. We photograph the conditions we find, close enough to see what actually happened to the shingle, and record them on our inspection checklist. We have FAA Part 107 certified drone pilots, so when a drone gives a better view, your roof is photographed from the air as well.
Every finding is photographed and dated, whether it supports a claim or not.
What the storm did
Hail and wind damage your insurer looks for
Hail big enough to damage a roof is not common around Dayton, but it happens: it leaves bruises where it knocks the granules loose. Small, pea-size hail does not really damage shingles. Wind damage looks different: shingles creased, lifted or blown off, and tabs whose seal has let go.
Your insurance adjuster looks for storm damage like this and decides whether it is covered. We photograph what we find and show the adjuster where it is. See what hail and wind damage look like on a roof.
Where we fit
A roofing company that works with your insurance company
We come out and explain the process, help you put together the documentation, and meet your adjuster at your home.
We meet your adjuster and show them everything we found. If something was missed, our team prepares a supplement and sends your insurer the photos, the manufacturer's installation instructions and the local code requirements for it.
What we do
- Inspect and document storm-related roof damage, on the roof and from the air
- Photograph the damage and put together the documentation for your claim
- Meet your insurance adjuster at your home
- Explain whether the proposed roofing scope addresses the damage we observed
- Prepare a supplement when the scope leaves something out
- Perform the contracted roofing work to the Helping Hands standard
We are not a public adjuster or an attorney. In Ohio only a state-certified public adjuster may negotiate or settle a claim for you, so we don't. We don't decide what your policy covers, and we won't tell you a claim will be approved. Nobody outside your insurance company can honestly tell you that.
Why homeowners choose Helping Hands Roofing
Families Helping Families
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The Helping Hands Roofing Standard
Two rows of ice and water shield at the eaves of every roof, one row in the valleys, along sidewalls and around every pipe and vent, then two layers of synthetic underlayment overlapped 24 inches. More than Ohio code asks for.
Before you sign with any roofer, ask: How many rows of ice and water shield? How many layers of underlayment? What's the overlap?
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Lifetime Workmanship Warranty
Covers our workmanship on qualifying installations and replacements. See what it covers.
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Documented Before It's Covered
We photograph the bare deck after tear-off, the underlayment before the shingles go on, and the finished roof. If we find rotted wood, we photograph that too.
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Fully Insured Since 2016
Aub Holley founded Helping Hands Roofing in 2016. We're fully insured and based in Beavercreek.
What we look for that gets missed
The damage under the shingles
Hail and wind are what bring the adjuster out. What often decides the scope is the deck underneath.
Many older homes around Dayton have plank decking, boards laid across the rafters instead of sheets, and that changes what the deck needs. Owens Corning's own installation instructions allow a maximum quarter-inch gap between deck boards. Wider than that, and the boards have to be repaired or replaced before a new roof goes on.
The reason is concrete, not preference. A shingle course's nail strip can land directly over a gap. The nail passes through into the attic and grips nothing at all, and that entire course has no fastener holding it down.
We photograph the deck before anything covers it. Whether that documentation changes anything about your claim is between you and your carrier, but it can't be considered if nobody recorded it.
When the roof needs the work
The claim doesn't build the roof
When a storm-damaged roof actually needs rebuilding, that's storm-damage roofing, and when the honest answer is a full replacement, we handle that to the same standard.
The insurance claim doesn't build the roof. The roof still has to be built correctly.
- The Helping Hands Roofing Standard
- Lifetime Workmanship Warranty
- Fully insured
- Founded 2016
- FAA Part 107 remote pilot
Real documented claims
Insurance claim roof replacements in Dayton
Real Helping Hands Roofing projects that ran through insurance. Actual homes, actual cities, photographed by us as the work happened.
Questions about roof insurance claims in Dayton
How do I file a roof insurance claim?
You open the claim with a call to your insurance company or your agent. Have the date of the storm, or your best estimate of it, and the details of what you have seen. It helps to know what the storm did to the property, and we will help you put that together. Schedule a free roof inspection and one of our team will come out.
Does homeowners insurance cover roof replacement?
Yes, when the damage comes from something your policy covers, such as wind or hail. It does not cover a roof that has simply worn out. What your insurance company pays is its decision.
How do I get insurance to pay for a roof replacement?
Nobody can make an insurer pay, and we will not promise an approval. What we can do is assess the property, document the storm damage in photos, install an emergency tarp if water is getting in, and prepare a package for your insurance company. Then we meet your insurance adjuster at your home.
What kind of roof damage is covered by insurance?
Policies generally cover sudden storm damage: wind, hail, a fallen limb. They generally do not cover age, wear or improper installation. Many Ohio policies carry a separate wind and hail deductible. Your own policy is the last word.
Will insurance cover a 20-year-old roof?
It can. Age alone does not rule it out. If a storm damaged the roof and that damage is covered under your policy, a 20-year-old roof can still be paid for by your insurance company. The right documentation matters, and that is our part. Schedule your free roof inspection today.
What is recoverable depreciation on a roof claim?
Many policies pay in two parts. The first check is the roof's value at its age, less your deductible. The rest is held back until the roof is replaced. That held-back part is the recoverable depreciation. When the roof is done you get our final invoice, which is what the insurer asks for to release it.
Do you work with my insurance company?
Yes. Your claim is with your own insurance company, and we work with whichever company that is.
What happens if my roof claim is denied?
Ask your insurance company for the reason in writing. You can ask them to inspect again, and the Ohio Department of Insurance (opens in a new tab) takes complaints from homeowners. We cannot argue the claim for you. We can tell you plainly what the roof needs and give you a price to fix it without a claim.
Should I file an insurance claim for my roof?
Start with a free roof inspection. One of our team members will come out, assess the damage and tell you what we see, drawing on years of working with insurance companies. If the damage is small, a repair may cost less than your deductible. If the storm did real damage, a claim is what the policy is for.
What Dayton homeowners say
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Kara Aub and his team did a great job with our new roof install. He made sure we were set for the winter and then installed as soon as possible in the spring for best results. Helping Hands also worked directly with our insurance, which was a huge help!
Google review
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Amanda I would absolutely recommend Helping Hands to anyone. They did a great job replacing my roof and downspouts. I appreciate the amount of work that they put into helping me with my insurance company and how much they cared about me. They helped with things I'm quite sure other companies wouldn't have cared about. In the end, when my insurance company wouldn't budge, they made sure I was taken care of. Thank you for everything.
Google review
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Lee Helping Hands Roofing did an outstanding job on our new roof! From start to finish, the entire process was smooth and stress-free. We needed a roof replacement due to storm damage, and they made the insurance claim process incredibly easy. They worked directly with our insurance company, handled all the documentation, and made sure everything was approved properly. That took a huge weight off our shoulders. Communication was clear and consistent the whole way through. The crew showed up on time, worked efficiently, and kept the job site clean every day. The quality of the workmanship is top-notch, and you can tell they take pride in what they do. If you’re looking for a reliable Dayton roofing company that knows how to handle insurance claim roof replacements, I highly recommend Helping Hands Roofing. Our new roof looks amazing, and we couldn’t be happier with the results!
Google review
Not sure where to start?
A Free Roof Inspection is a documented look at what the storm actually did, with no obligation and no pressure to file a claim.