TPO · Fully Adhered
75,000 sqft Cold Storage Facility
Sqft75K
System80-mil TPO FA
Timeline10 days
Technical roofing partner for staff adjusters, independent adjusters (IAs), and public adjusters across NC, SC, GA, TN. Carrier-format documentation (Xactimate), scope coordination, Helene claim experience, appraisal clause and subrogation support.
A licensed PM has your request. We'll reach out within 24 business hours — typically sooner. If your roof is actively leaking, call (866) 487-8572 for same-day response.
Commercial roof insurance claims succeed or fail on documentation quality. Carriers process thousands of claims annually and rely on structured, carrier-format documentation from contractors to process claims efficiently. The difference between a clean 30-60 day claim close and a dragged-out 6-12 month disputed claim often comes down to how the contractor documented damage, scope, and coverage triggers. Our workflow is built specifically around what adjusters — staff, independent, and public — need to efficiently process claims.
Standard documentation package: Xactimate estimate in line-item format matching carrier requirements, drone imagery with annotated damage points, core sample photography showing existing system and damage cross-section, moisture mapping (infrared thermography or electrical conductance testing) across full roof, decking inspection report for structural damage, RCV/ACV analysis with depreciation worksheets, ordinance-and-law (O&L) line items separated for coverage evaluation, contractor license documentation, and project insurance certificates. Format adjusted for carrier preference — we've worked with State Farm, Nationwide, Travelers, Cincinnati Financial, Hartford, Liberty Mutual, Church Mutual, Zurich, Chubb, and Lloyd's-syndicate specialty lines.
For Helene-area claims (FEMA DR-4827, September 2024), we've moved through dozens of commercial claim cycles. Helene-specific challenges: sustained wind damage documentation beyond typical storm scope, NC 2023 energy code ordinance-and-law triggers for R-30 insulation upgrade, supply chain delay documentation, FEMA Public Assistance coordination, and RCV/ACV disputes on older roofs. Our insurance claims documentation workflow integrates Helene-specific considerations throughout. For Asheville/WNC metro Helene-area work specifically, our Flat Rock NC headquarters puts us in direct local position.
For public adjuster coordination, we work either direct-with-carrier or with a PA — technical roof documentation is the same either way. What differs is who receives and negotiates the documentation. For complex claims where PA and carrier adjuster disagree on scope, we provide additional technical documentation to support scope position. For appraisal clause proceedings, we can serve as owner-appointed appraiser, provide technical consultation to either appointed appraiser, or provide supporting documentation for umpire review. For subrogation scenarios, we provide damage cause identification, failure mode analysis, and supplier documentation supporting carrier recovery.
Documentation packages typically run as flat fees or are rolled into full repair/replacement scope for commercial claims. Appraisal proceeding and subrogation support billed time-and-materials. Full claim repair/replacement pricing follows standard commercial ranges per carrier-approved scope.
Six-phase workflow from initial adjuster coordination through completion and depreciation recovery. Workflow adapts to carrier requirements and to whether claim runs direct-with-carrier, through independent adjuster, or through public adjuster.
Adjuster intake: carrier identification, claim number, policy terms (RCV/ACV, O&L limits, deductible, hurricane deductible if applicable), cause-of-loss claimed, and property details. On-site inspection scheduled with adjuster for joint visit where possible — efficient use of adjuster time.
On-site damage assessment with adjuster present where possible. Visual and drone inspection of full roof. Active-leak identification with containment recommendations if required. Core sample photography. Moisture mapping (infrared or electrical conductance). Decking inspection. Photography of all damage observations with adjuster acknowledgment.
Documentation package delivered within 5-10 business days: Xactimate estimate in carrier line-item format, drone imagery with annotated damage, core sample photography, moisture mapping, decking inspection report, RCV/ACV analysis with depreciation worksheets, O&L line items separated, contractor license documentation, project insurance certificates.
Scope discussion with adjuster before formal estimate submission. Cause-of-loss determination, repair vs replacement determination, materials spec, and coverage trigger review. Coverage approval letter obtained from carrier with scope agreement documented.
Permanent repair or replacement installed per approved scope. Progress photography throughout (daily or per-phase). For tear-off: existing system documentation with additional cause-of-loss evidence photography. For install: installation-stage photography supporting workmanship and materials compliance.
Completion certificate and as-built documentation delivered to carrier. For RCV coverage with depreciation holdback: depreciation release request with supporting documentation (receipts, permits, certificates). Manufacturer NDL warranty registered. Full closeout package to owner and carrier.
Post-Helene WNC commercial claim cycles, coastal SC hurricane claims, hail damage multi-building portfolio claims, wind-uplift disputed claims, appraisal proceedings, and subrogation documentation work across NC, SC, GA, TN.
Staff adjusters (carrier employees) — typically work a specific geographic region for a specific carrier. Workflow: joint on-site inspection with our project manager; documentation package in carrier-specific format (State Farm, Nationwide, Travelers, etc. each have format preferences); scope discussion before formal estimate; coverage approval letter with documented scope agreement. For repeat staff adjuster engagements, we maintain carrier-specific documentation preferences to streamline processing.
Independent adjusters (IAs) — typically work across multiple carriers on a contracted basis. IAs handle catastrophic claim response (post-hurricane, post-tornado, major hail) and overflow capacity for carriers. For IAs working multiple claims simultaneously during CAT response, we coordinate on IA schedule with batch scheduling, standardized documentation, and carrier-specific formatting per IA's carrier assignment. For post-storm commercial claims, IA engagement is common during regional catastrophic events.
Public adjusters (PAs) — work for the insured, not the carrier, advocating for maximum claim recovery. Typical fee: 10-15% of claim recovery. For commercial claims with PA involvement, we coordinate directly with PA on documentation and scope. Technical roof expertise provided throughout PA negotiation with carrier. For complex claims where PA and carrier adjuster disagree, we provide additional documentation to support scope position.
Appraisal clause proceedings — policy appraisal clause is invoked when scope and cost disagreement between parties can't be resolved through standard negotiation. Process: owner-appointed appraiser + carrier-appointed appraiser + umpire if appraisers disagree. We can serve as owner-appointed appraiser on commercial roof claims, provide technical consultation to either appointed appraiser, or provide supporting documentation for umpire review. Owner-side engagements support maximum recovery; carrier-side engagements support scope accuracy.
Subrogation scenarios — carrier recovers from third-party cause (tenant-caused damage, contractor-installation defect, product failure). We provide technical roof documentation supporting subrogation claim: damage cause identification distinguishing storm/weather vs third-party fault, failure mode analysis for manufacturing or installation defect, supplier documentation for product-defect subrogation. For commercial roof subrogation, technical roof expertise is often material to recovery.
Carrier-format Xactimate documentation, RCV/ACV analysis, O&L line items, Helene claim experience, appraisal clause and subrogation support. NC, SC, GA, TN. Call for claim coordination.