You Deserve An Advocate
When your roof suffers storm or weather-related damage, you should never navigate the insurance process alone. Having the right contractor involved early — before you file — can significantly impact the outcome of your claim.
At Roof USA, we inspect your roof, document all forms of storm damage, assist you in opening your claim, meet with your adjuster, and advocate for the full coverage your policy entitles you to. Our goal is simple: to prevent underpaid or denied claims and ensure you get the results you deserve.
Fair Estimate Guarantee
As a local, family-owned roofing company with efficient overhead and a strong reputation, Roof USA is able to provide accurate, competitive, and transparent estimates that insurance companies consistently recognize as fair.
Our Fair Estimate Guarantee means:
-
We prepare a detailed, insurance-ready estimate
-
We advocate for full and proper replacement when warranted
-
We help minimize out-of-pocket costs — often limited to your deductible
-
We offer flexible financing options if supplements or additional work is needed
If we Roof USA can't get you approved — no one can!
Let Roof USA be your Insurance Claim Specialists
With Roof USA’s experience, roofing expertise, and strong working relationships with local Delaware insurance carriers and adjusters, we help homeowners secure fair coverage for weather-related roof damage — often resulting in full roof replacements funded by insurance.
FREQUENTLY ASKED QUESTIONS
Do I really need a contractor when opening a weather damage claim?
Handling a claim alone is like going to court without representation. Insurance adjusters may overlook damage or miss key indicators of storm impact. Roof USA inspects your roof, performs damage tests, documents everything with photos and measurements, and works directly with your adjuster to ensure nothing is missed.
We advocate for you throughout the entire process.
Will my insurance company really pay to replace my entire roof?
Insurance companies often prefer partial repairs — but with Roof USA advocating for you, full roof replacements are frequently approved when the damage meets the required criteria.
Our years of experience and strong working relationships with local carriers mean our estimates are trusted, our documentation is thorough, and claims we handle are approved time and time again.
If I have missing or wind-damaged shingles but no interior leak, is this really something I need to address?
Yes — and this is one of the biggest misunderstandings homeowners have.
A roof doesn’t have to be leaking to be considered damaged, and insurers don’t require interior water intrusion for a valid storm claim. Wind-lifted shingles, creasing, granule loss, and exposed underlayment are all early signs of storm wear that weaken your roof’s ability to protect your home.
More importantly, insurance companies in Delaware are tightening their roof coverage rules. Many are flagging roofs that show storm wear or age before leaks occur — and in some cases reducing or removing full replacement coverage if the roof isn’t addressed in time.
Catching these issues early can prevent bigger problems, protect your insurance coverage, and often qualifies you for full replacement under your policy. Roof USA can assess the condition, document any storm damage, and help you understand whether a claim is the right move before the situation becomes more serious or more expensive.
Across Delaware, many insurance companies have begun enforcing stricter requirements for roof condition, age, and maintenance. Homeowners are increasingly receiving letters warning them to repair or replace aging roofs — or risk limited coverage, higher premiums, or non-renewal.
What does this mean for you?
-
Your policy may already have changed—many insurers are quietly shifting roofs to reduced coverage like ACV or RSP without homeowners realizing it.
-
Older or storm-worn roofs are being flagged more often, especially those 15–25+ years old or showing wind/granule loss.
-
Reduced coverage means higher out-of-pocket costs—ACV and RSP policies can leave homeowners paying thousands more during a claim.
-
Once downgraded, coverage can’t be restored until the roof is replaced, making early action more important than ever.
Roof USA stays up-to-date on these industry shifts, helping you stay protected before issues escalate.
Prefer to have us reach out?
Submit your information below, and we’ll contact you within 24–48 hours to provide a free roof inspection and a personalized estimate.