Fifteen years in insurance. Straight answers.
Christian spent 15 years in insurance and owned a large local agency. These are the questions homeowners ask most after a storm, answered plainly.
Has a damaging storm hit near your house? Run the Storm Check for your address.
Should you switch insurance? Part 1
Your rates went up and you’re shopping around. Why the policy matters more than the carrier, with the roof-claim math to show it.
When did the storm actually hit your house?
Carriers look at storm dates and reporting windows. Why the date of the last damaging storm matters, and why dented gutters aren’t the same as a damaged roof.
Should you file a roof insurance claim? Do the math first
A roof claim can cost more than it pays. How deductibles, depreciation and your claim history change the math.
How does a roof insurance claim work in Kentucky? Step by step
What actually happens on a Kentucky roof claim, in order, and what to watch at each step.
Do I really have to pay my deductible?
Yes. Why a roofer offering to cover it is a red flag, and what Kentucky law says about it.
Should I call my insurance company or a roofer first?
If you’re not sure there’s damage, find out what’s actually up there first. If water is coming in, call your insurance company now and protect the house.
What does an adjuster actually look for?
Damage that matches a covered event, across the whole roof, and how it compares to normal wear. We’re at the adjuster meeting to show what we documented.
What if my claim gets denied?
Read the letter first. It should say why. Then ask your insurance company what it was based on, what they would consider, and what your policy allows for next steps.
How do you spot an out-of-state storm chaser?
The real warning signs after a hail or wind storm, and how to check out a roofer in an evening.
What should I ask before hiring a roofer?
Kentucky has no roofing license. The questions that actually separate roofers, and what a good answer sounds like.
What do Lexington building codes mean for your roof replacement?
Lexington doesn’t require a permit for a reroof. What code still covers, and how it affects an insurance claim.
Want to know what’s on your roof?
Schedule your inspection. We photograph what we find and explain it plainly.
There’s no charge for the inspection and nothing to sign. If the roof doesn’t need replacing, we’ll tell you.
- NextDuring business hours, we usually call you back within minutes. Your roof is inspected within 48 hours. Want to reach us first? Text (859) 300-0710.
- HoursMon–Fri 8am–6pm, Sat 9am–5pm
Prefer to call? (859) 300-0710