Forest Hills · Wilmington · Insurance
Forest Hills roof insurance claims: inspection, documentation, adjuster meeting, and supplements — from a roofer who does this weekly.
Get a written quoteClaims on older roofs turn on the wear-versus-damage distinction, and the best evidence is an inspection report dated before the storm — or a very careful one dated right after. Code-upgrade coverage (ordinance-or-law) matters most on historic homes, where bringing the roof to current code adds real cost the base claim won't cover.
Ordinance-or-law coverage is where the money is on an older home; bringing the roof to current code costs real money the base claim won't cover.
Western North Carolina's mountain counties add freeze-thaw and occasional ice-dam damage to the usual wind and storm picture — a different failure mode than the coast, and one fewer roofers are experienced with.
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How it works
Claims on older roofs turn on the wear-versus-damage distinction, and the best evidence is an inspection report dated before the storm — or a very careful one dated right after. Code-upgrade coverage (ordinance-or-law) matters most on historic homes, where bringing the roof to current code adds real cost the base claim won't cover.
From aerial measurement of your specific roof, the home's age (built before 1980), and what you tell us. It's a number for your house, not an average for the neighborhood.
A request for additional payment when the adjuster's scope missed items — code upgrades, drip edge, ice-and-water shield, or damage found once the roof is opened up. Common and legitimate.