Reviews based on Google & Facebook

Insurance Claims

Ridge Valley Exteriors helps protect your financial interests throughout the insurance claim journey. Our HAAG-certified inspectors and Xactimate documentation provide the support needed to navigate complex claims with confidence.

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What Roof Damage Insurance Claims Cover

Learning what may be covered under a roof damage insurance claim can help you take the right steps to repair your roof after a storm. Coverage applies to wind damage, hail impact and falling debris:

Wind and hail damage: Lifted shingles, punctured membranes and granule loss can reduce your roof’s protective capacity.
Structural compromise: Hidden decking damage and compromised waterproofing layers may be missed by an adjuster without professional inspection.
Code upgrade requirements: Building code changes since your original installation may be covered by your policy through ordinance provisions.

Put Your Trust In An A+ Rated Contractor

Ridge Valley Exteriors is an A+ Rated Contractor with the Better Business Bureau.

How to File a Roof Insurance Claim

Filing a roof insurance claim promptly helps document damage and start the claims process. Three steps start the process correctly:

Call your insurance company: Contact claims immediately after discovering damage. Request a claim number and provide the storm date.
Schedule adjuster inspection: Confirm the exact meeting date and time when your insurance company assigns an adjuster.
Secure contractor representation: Reach out before the adjuster arrives. Our HAAG-certified inspectors attend meetings to document the full scope of damage.

Our Role as Your Insurance Claim Roofing Contractor

Insurance adjusters represent insurance companies, not policyholders. We balance that dynamic. Our team documents damage using Xactimate software, which insurers commonly use to estimate repair costs.

We identify structural issues beyond surface observations and supplement claims when estimates overlook code-required upgrades. Our Owens Corning Platinum Preferred status reflects recognized industry credentials.

You pay only your policy deductible. We handle estimate negotiations and supporting claim documentation.

Avoid Insurance Fraud Schemes

Contractors who offer to “waive your deductible” commit insurance fraud. This scheme inflates estimates or submits false contracts to your insurance company. Insurance fraud investigations can jeopardize coverage and create potential legal liability for policyholders.

Select contractors based on credentials and proven claims expertise.

Frequently Asked Questions

Common questions about roof insurance claims include:

Can My Insurance Company Cancel My Policy After I File a Claim?

Insurance companies generally cannot cancel a policy solely because a policyholder files a qualifying weather-related claim. Coverage decisions can vary by state and policy terms.

What Happens if the Adjuster's Estimate Is Lower Than My Contractor's?

Ridge Valley Exteriors supplements your claim with detailed documentation that explains estimate differences. We provide photos, measurements and code citations that adjusters use to revise estimates.

Do I Have to Use the Contractor My Insurance Company Recommends?

No. You choose your contractor. Insurance companies cannot require you to use preferred vendors. Your policy pays for proper roof replacement or emergency roof repair work, regardless of which licensed contractor you select.

Is There a Difference Between RCV and ACV?

Yes. Replacement cost value (RCV) indicates the cost of replacing covered damage with comparable materials. Actual cash value (ACV) considers depreciation based on the age and roof condition.

TRUSTED BY 15K+ HOMEOWNERS &
BUSINESSES ACROSS 15+ STATES

With over 790 five-star reviews on Google, Ridge Valley Exteriors is known for quality work, honest communication, and lasting results.

    
 
 
       Posted on Google  
   
   stan chaklos 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service and workmanship! I am very happy with the professionalism of all the crews, sales and office personnel. Special thanks to Bob and Nancy, they were very helpful and friendly. The project was completed in a timely manner and the end result was a beautiful new roof.
  
 
      Posted on Google  
   
   Jade Purcell 
 
 
 
 Trustindex verifies that the original source of the review is Google. We are extremely pleased with our new metal roof and the outstanding service we received from start to finish. From the initial meeting, helping us during the selection of type of roof to completing the installation, the team was professional, knowledgeable, and always on time.

The crew was courteous, meticulous, and kept our property exceptionally clean throughout the project. The quality of workmanship and attention to detail exceeded our expectations, and the finished roof looks fantastic.

We highly recommend Ridge Valley Exteriors to anyone looking for quality, professionalism, and excellent customer service. It was a wonderful experience from beginning to end!
  
 
      Posted on Google  
   
   Dee Proehl 
 
 
 
 Trustindex verifies that the original source of the review is Google. We at Habitat for Humanity of Collier County are incredibly grateful to Ridge Valley Roofing for their outstanding generosity and professionalism. They donated and installed a new roof at no cost for a senior homeowner living in an older home, making a tremendous difference in that person's life.

From start to finish, the entire team was exceptional. Bobby and Brooke went far beyond the scope of the project, guiding us through every step of the process and making sure everything was handled smoothly. Their communication, kindness, and dedication were truly remarkable.

The work was completed quickly, professionally, and with the highest level of quality. It is refreshing to work with a company that genuinely cares about the community and the people they serve.

On behalf of everyone at Habitat for Humanity of Collier County, thank you for your generosity and commitment to helping those in need. We highly recommend Ridge Valley Roofing to anyone looking for a trustworthy, professional, and compassionate roofing company.
  
 
      Posted on Google  
   
   Billy Ward 
 
 
 
 Trustindex verifies that the original source of the review is Google. I used Ridge Valley Exteriors for a condominium I manage on Marco Island. They have been great to work with. Bobby has been extremely responsive and professional throughout the entire process even attending BOD meetings to address any questions or concerns the BOD or owners have. Communication throughout the process was very helpful and would use them again for any roofing need.
  
 
      Posted on Google  
   
   Michelle Pleasant 
 
 
 
 Trustindex verifies that the original source of the review is Google. We are very happy with our new roof. The team was knowledgeable about the issues with our older home and did quite a bit of wood repair as part of the project. We are also enjoying the new vent installed in the roof, which is keeping our home cooler in the summer.
  
 
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   Maureen Flynn 
 
 
 
 Trustindex verifies that the original source of the review is Google. I cannot recommend this company highly enough. From the very beginning, their communication was flawless. The crew delivered top-tier quality and completed the entire tear-off and replacement ahead of the promised timeline.
The overall experience was seamless, and the cleanup was so thorough you would never even know they were here! If you need a reliable, professional roofer, hire these guys.
  
 
      Posted on Google  
   
   Leigh Sargent 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent company, very professional. Quality is exceptional and work was done on time and left my home clean. New metal roof that is hurricane proof. Highly recommend.
  
 
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   Rita Orgel 
 
 
 
 Trustindex verifies that the original source of the review is Google. Patrick and the roofing fellows were great . I think the roof looks great and I am pleased with the work and clean up after.
  
 
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   Rosemary Barclay 
 
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend the team at Ridge Valley Roofing -Thank you Bobbie, Brooke & Tariq and the tiling team for a perfectly executed job . Our initial contact was with Bobbie Rodgers who came out to inspect our roof thoroughly.  He made sensible recommendations and mindful of the fact that our house was up for sale he was able to expedite the roof tile delivery. He was clear about the whole installation process and  timeline. Brooke Tiberio, the production coordinator,  arrived the morning of installation and spoke to the team as our neighborhood had just had a new road laid. The team laid down boards to protect our driveway and the road for extra protection . They were polite and respectful and protected our shrubs , lanai and property. Brooke kept us informed and was able to schedule installation of the tiles and guttering as soon as the tiles were on the roof after the required timeline and inspection of underlayment by Collier. (We had noted other roofs left for weeks without tiles). Tariq did an excellent job following up with photos of  perfectly aligned roof tiles,  painting. All in all it was a pleasant experience with fast responses and service but most important of all a professional job!

Contact Us for
Roof Insurance Claim Assistance

Storm damage can affect both your property and financial interests. We document losses, represent you during adjuster meetings and help support a thorough claims process.

Book your free inspection today or review our hurricane preparedness resources.

4.8 | 790+ Reviews