Roofing · Insurance restoration · Greater Dayton

Roof Insurance Claim Assistance

A roof claim is decided on evidence. We produce the evidence: photographed, dated, and thorough enough that nobody has to argue about what your roof looked like.

Schedule a Free Roof Inspection See how we handle storm damage

FAA Part 107 licensed drone pilot · Fully insured · Founded 2016

A Dayton ranch under a finished shingle roof, photographed from the front lawn on a clear day.

What we bring to a claim

Documentation is the part that decides it

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 thoroughly. We get on the roof. We photograph the conditions we observe, close enough to see what's actually happened to the shingle. Aub Holley is an FAA Part 107 licensed remote pilot, which means aerial documentation of your roof is done legally and properly rather than guessed at from the ground.

Every finding is photographed and dated, whether it supports a claim or not. A record you can't defend isn't worth producing.

Pipe flashing and rubber collar on concrete — Roof Replacement on a Large Brick Home – Xenia, Ohio

Blue tarp battened under timber strips — Storm Damage Roof Replacement & Insurance Restoration – Kings Mills, Ohio

Where we fit

We document the roof. Your insurer decides the claim.

That's the line, and we hold it deliberately.

We are not a public adjuster and not an attorney. We don't decide what your policy covers, we don't negotiate your coverage, and we won't tell you a claim will be approved. Nobody outside your insurance company can honestly tell you that.

What we can do is make sure the roof is documented so completely that the decision gets made on the facts. That's a promise about our own work, which means it's one we can actually keep.

What we do

Inspect and document storm-related roof damage, on the roof and from the air
Provide photographs, a written roofing estimate, and supporting documentation
Meet the insurance adjuster on site when it helps
Explain whether the proposed roofing scope addresses the damage we observed
Perform the contracted roofing work to the Helping Hands standard

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.

A lot of older Greater Dayton homes, plenty of the Miamisburg and Kettering housing stock from the fifties and sixties, are built on plank decking rather than plywood. 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.

Where the deck is plywood, it's often three-eighths inch, the manufacturer's stated minimum before age is even considered. After a couple of roof cycles and years of Ohio heat and cold, those laminated layers separate and the deck no longer holds a nail reliably.

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.

Real documented claims

Claims we've documented

Real Helping Hands Roofing projects that ran through insurance. Actual homes, actual cities, photographed by us as the work happened.