Most homeowners insurance policies cover roof damage caused by sudden events like hail, windstorms, falling trees, or fire. However, normal wear and tear or neglect is not covered. If you’re unsure, we can inspect your roof and help you understand your policy coverage.

If you suspect storm damage:

• Document the damage with photos.

• Contact Lowrie Roofing for a free inspection.

• We perform a comprehensive inspection using drone imaging, physical assessments, and RoofScope technology to ensure no damage is overlooked.

• File a claim with your insurance company (we can guide you through this process).

• Meet with your insurance adjuster (we can be present to ensure a thorough evaluation).

It’s best to call a roofing contractor first. Insurance companies may not approve a claim unless there’s verifiable damage. At Lowrie Roofing, we use a combination of drone inspections, physical inspections, and RoofScope reports to provide the most accurate and detailed assessment possible.

• We provide a free, detailed roof inspection using drone imaging, physical inspections, and RoofScope reports.

• As a licensed insurance adjuster, Michael Lowrie speaks the insurer’s language to ensure fair evaluations.

• We meet with your insurance adjuster to advocate for a full and fair assessment.

• We use Xactimate pricing, the same system insurers use, ensuring accurate estimates.

• We handle all documentation and ensure compliance with local codes and insurance requirements.

Insurance companies typically do not raise individual rates due to storm-related claims. However, if a storm affects an entire region, premiums may rise for all policyholders. Your insurance is designed to cover sudden damage, so you should take advantage of your coverage when needed.

The only out-of-pocket cost for most homeowners is their insurance deductible. If a contractor offers to waive or "cover" your deductible, that’s insurance fraud. We believe in transparency and compliance with state laws.

If your claim is denied but we find legitimate damage, we can:

• Review the insurance report and provide additional evidence.

• Request a reinspection with a different adjuster.

• Help you appeal the decision if necessary.

The timeline varies, but most claims follow this schedule:

• Inspection & Claim Filing: 1–2 weeks

• Adjuster Inspection & Approval: 1–3 weeks

• Finalizing Paperwork & Payout: 2–4 weeks

• Roof Replacement: 1–3 days once materials arrive

Yes! Your insurance covers the cost of restoring your roof to its original condition, but you can pay the difference to upgrade to impact-resistant shingles, metal roofing, or other premium materials.

• Comprehensive Inspections: We use drone imaging, physical inspections, and RoofScope reports for unmatched accuracy.

• Dual expertise: We are both licensed roofing contractors and licensed insurance adjusters.

• Full transparency: We document every step of the process so you always know what’s happening.

• Advocacy for you: We ensure you get full restoration, not just a patch job.