Storm damage & insurance · Lexington & Cincinnati/NKY
Storm damage? We handle the roof and the insurance carrier.
If you want us to, we take over all communication with your carrier, and we’re at the adjuster meeting.
There’s no charge for the inspection and nothing to sign. If the roof doesn’t need replacing, we’ll tell you.
- CertainTeed ShingleMaster
- 10-yr workmanship warranty
What a storm claim makes you ask.
From someone who spent 15 years on the insurance side. Wondering whether a storm hit near you? Run the Storm Check for your address.
Who decides what’s covered?
Your insurance company, under your policy. Not us, and not any contractor. We’ll explain how the process generally works so you know what to ask your agent.
What do you actually do?
We inspect and photograph the whole roof, not just the worst spot. We prepare an accurate scope written to manufacturer requirements and code. If you want us to, we take over all communication with your insurance carrier, and we’re at the adjuster meeting to walk the roof and show what we documented. Then we build it and document every layer.
Are you a public adjuster?
No. We don’t negotiate your claim or tell you what your policy covers. When we talk with your carrier, it’s about the documentation and the scope.
What if the carrier’s scope leaves something out?
If a component the roof needs to meet manufacturer requirements or code is missing, we’ll point it out and explain why. We won’t reuse a component or install a lesser roof just because it was left off a scope.
Will you be there when the adjuster comes out?
Yes. We’re at the adjuster meeting to walk the roof with the adjuster and show the damage we documented. Our part is the documentation and the scope.
What will I pay on an insurance job?
On an approved claim, our price matches the approved scope, so you pay your deductible and nothing more for the covered work. We don’t promise that a claim will be approved.
Storm roofs we’ve replaced.
Two Lexington insurance claims. Drag the handle, or use the arrow keys, to compare before and after.
Lexington, KYInsurance claimCompleted Oct 2026
Insurance claim
Full tear-off to the deck, a new roof over the dormer and main slopes, and the yard cleaned up after.
Lexington, KYInsurance claimCompleted Oct 2026
Insurance claim
Large two-story hip roof: weathered brown shingles replaced with a new charcoal roof.
The damage, up close.
Before anyone talks scope, we photograph the damage itself, slope by slope, so you and your carrier see exactly what we saw.
Documented, step by step.
You get a photo of every step that ends up hidden.
Inspect the whole roof
Every slope, the flashing, vents, gutters and the attic where we can get in.
Whole roof photographedA straight answer
Storm damage, normal wear, or nothing to report. You hear it plainly, even when it’s not what you hoped.
Findings explainedDocumentation + scope
Photos and an accurate scope to manufacturer requirements and code, ready for you to share with your carrier.
Scope in writingCarrier communication
If you want us to, we take over all communication with your carrier about the documentation and scope, and we’re at the adjuster meeting.
Every exchange notedBuilt and documented
The same system we install on any roof, every layer photographed.
Photo record + warranty paperwork
In their words, unedited.
Google reviews that mention this work, word for word.
- Google
We had a wonderful experience with UnderCover Roofing!! They were very knowledgeable and helpful with the insurance process (Christian worked in insurance previously). They were also very honest about some items that were not quoted correctly in the original contract and adjusted the additional cost in a way that was very fair/appropriate. I would highly recommend them to anyone needing to replace their roof!
Kendra K.Google review
Short answers.
- Do you file the claim for me?
- Filing is between you and your insurance company. We provide documentation and an accurate scope you can share with them.
- Will you talk to my insurance company for me?
- If you want us to, yes. We take over all communication with your carrier about the documentation and scope, and we’re at the adjuster meeting.
- Can you promise the claim will be approved?
- No. Nobody honest can.
- Where can I learn how claims work?
- Start with Christian’s step-by-step answer, how a roof insurance claim works in Kentucky, and do I really have to pay my deductible? The rest are in the Insurance Insider.
After a big storm, out-of-town roofers start knocking on doors. Kentucky law sets rules for contractors on insurance jobs, and we summarize them on our Richmond page.
Four rules. Every job.
- Tell the truth. If it doesn’t need replacing, we say so.
- Document everything. Every layer photographed before it’s covered.
- Communicate clearly. You always know what’s next, and who to call.
- Own the outcome. If something goes wrong, we make it right.
Schedule your inspection.
We inspect it, photograph it and explain exactly what we found.
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