Free guides, checklists, and plain-English answers — everything you need to make smart decisions about your home, your roof, and your insurance claim.
From the moment the storm passes to the day your check arrives. Covers documentation, adjuster meetings, supplements, and what to watch out for.
Insurance scopes are almost always incomplete. Learn what gets missed, why it matters, and how a proper supplement gets you paid for the full scope of damage.
Denials and underpayments can be challenged. Here's what your options are, what documentation you need, and when to ask for a re-inspection.
A printable checklist of everything to photograph and document after a hail or wind event — before anything is touched or repaired.
These two terms determine how much your insurance company actually pays you. Most homeowners don't know the difference until it costs them thousands.
If a contractor offers to "cover your deductible," that's insurance fraud — and it can invalidate your claim. Here's what's actually legal and what isn't.
Your policy number, date of loss, and a description of damage. That's it to get started — we handle the documentation, photos, and scope from there so your claim is as strong as possible.
Wind and hail claims are "Act of God" events — they typically don't raise rates the same way an at-fault claim does. Your specific carrier and policy determines any impact. Call your agent to ask before filing if you're concerned.
Your deductible is the out-of-pocket portion before insurance pays. Yes, it is required by law. Any contractor who offers to waive it is committing insurance fraud in Alabama. We never waive deductibles.
Most Alabama policies require reporting "promptly" — often within 1 year of the date of loss. Don't wait. The longer you wait, the harder it is to prove storm causation. Call us right away and we'll document everything.
Law & Ordinance coverage pays to bring your home up to current building codes during a covered repair. Older homes often require electrical, framing, or roofing upgrades by law. Without this coverage, you foot that bill yourself. Check your declarations page — many homeowners have it and don't realize it.
Alabama codes require upgrades any time a roof or structure is repaired — things like drip edge, updated decking, ventilation, and ice-and-water shield. Insurance estimates routinely leave these out. We identify every code item and include them in your claim so you don't pay out of pocket to meet the law.
The three options every homeowner faces, explained clearly. What each costs, when each makes sense, and how to avoid being oversold a full replacement you didn't need.
Asphalt, metal, TPO, tile, wood — each material has a different expected lifespan, and different warning signs as it ages. Know where yours stands.
A treatment that restores flexibility and extends the life of aging shingles. Learn how it works, what it costs, and whether your roof qualifies.
A seasonal checklist for Alabama homeowners — what to inspect, what to clear, and the early warning signs that mean it's time to call a pro.
Cost, lifespan, insurance discounts, resale value, and Alabama weather performance compared side by side. No fluff, just the numbers.
Alabama's IBHS Fortified program can qualify you for significant insurance premium discounts. Learn what's required and whether it makes sense for your home.
Storm chasers, unlicensed crews, upfront-cash demands — the warning signs that a contractor will take your money and disappear before the job is done right.
When storm chasers blow through Alabama, they take deposits and disappear. Here's why local matters — for accountability, warranty, and follow-up work.
A printable list of questions every homeowner should ask any contractor before putting pen to paper — licensing, insurance, warranty, payment terms, and more.
Step-by-step: safety first, documentation, emergency tarping, contacting your insurance company, and how to avoid making costly mistakes in the first 48 hours.
What to secure, what to check, and what to document before storm season — so you're ready if it hits and positioned to file a solid claim if it does.
When your roof is breached, fast action limits interior damage. This guide covers when to tarp, when to wait for a pro, and how to document everything for your adjuster.