Storm Damage Help — From First Call to Final Check
We've helped hundreds of Northwest Arkansas homeowners get fair settlements on storm-damaged roofs. We know the process, we document everything, and we don't walk away when it gets complicated.
You Shouldn't Have to Figure This Out Alone
A hailstorm rolls through Rogers or Bentonville. You see dents on your gutters, granules in your yard, and a leak developing near the chimney. Now comes the hard part: calling your insurance company, scheduling an adjuster, understanding what ACV and RCV mean, and figuring out whether the settlement offer is actually fair.
This is where we earn our place. True South walks with you through every step — not just the installation at the end.
End-to-End Support — From Inspection to Final Check
We don't hand you a phone number and wish you luck. We walk with you through every step of the insurance process.
Thorough Damage Documentation
We photograph and document every area of damage before anything is touched. Insurance adjusters work from evidence, and good documentation is how you get a fair settlement.
Adjuster Meeting Support
We're on-site during your adjuster's inspection. We point out damage, answer questions, and make sure nothing is overlooked. Two sets of eyes matter.
Scope Review
Once your adjuster's estimate (the 'scope') arrives, we review it line by line. If items are missing or underpriced, we file a supplement — a formal request to update the claim.
Supplements When Needed
Hidden damage discovered during tear-off, code-required upgrades, or missed line items — these get supplemented. We handle the paperwork and follow-up with your insurance company.
Clear Communication Throughout
You have a dedicated project manager as your point of contact. You'll never have to track down status updates or wonder where your claim stands.
The Actual Installation
When the claim is settled and you're ready, our installation crew takes over. Same quality and process as any other replacement — no cutting corners because it's insurance-funded.
ACV vs. RCV: What You're Actually Getting Paid
Most policies pay out in two stages. The first check covers the Actual Cash Value (ACV) — the depreciated value of your old roof. After installation is complete and you submit documentation, you receive the Recoverable Depreciation — the difference between ACV and full Replacement Cost Value (RCV). On a roof that's been on the home for 15 years, that depreciation can be significant. We help you understand your policy, track what you're owed, and make sure you don't leave money on the table.
ACV Check (First Payment)
Actual Cash Value — the depreciated value of your existing roof. This arrives after the claim is approved and before installation.
RCV Check (After Installation)
Recoverable Depreciation — what you get after installation is complete and documented. On older roofs, this can be significant.
Mortgage Company on Your Check?
If your home has a mortgage, your insurance check may be made payable to both you and your lender. This is standard. Your mortgage servicer will have a process for endorsing the check and releasing funds. It adds a step, but it's manageable. We'll walk you through what to expect so it doesn't slow down your project.
The Insurance Claim Process, Explained
Six steps, clearly communicated the whole way through.
Free Inspection
We inspect your roof and document all hail, wind, and water damage with photos and measurements.
You File the Claim
You contact your insurance company to open the claim. We can help you understand what to say and what documentation they'll want.
Adjuster Meeting
We attend the adjuster inspection with you, pointing out damage and making sure nothing is skipped.
Scope Review
We review the adjuster's estimate for accuracy and completeness. If items are missing, we file a supplement.
Approval & Scheduling
Once the claim is approved and your ACV check arrives, we schedule the project. Materials are ordered and delivered before install day.
Installation & Closeout
We install your new roof, complete final documentation, and help you submit for your recoverable depreciation check.
Storm came through recently? Don't wait.
Insurance companies have time limits on storm damage claims. The sooner you document the damage, the stronger your position. Call us today for a free inspection.
Storm Damage & Insurance Questions, Answered
We Handle the Hard Part. You Focus on Your Home.
Free inspection, clear documentation, and end-to-end insurance guidance — at no extra cost to you.