Storm damage claims are among the most frequently disputed property claims in the industry. Severe wind, tornadoes, and severe weather cause damage to roofing systems, building envelopes, siding, windows, and interior finishes — but the extent and cost of that damage are common points of disagreement.
Depreciation holdbacks, matching disputes for materials and finishes, disagreements over pre-existing damage versus storm damage, and repair estimates that fall short of actual restoration costs are all standard obstacles in storm claims.
If your storm damage claim has been underpaid, partially denied, or you received an estimate that doesn’t cover the actual cost of restoring your property — we resolve exactly these kinds of disputes. We document storm damage independently, engage qualified roofing consultants and engineers when needed, and negotiate with your insurer for a settlement that reflects the actual scope of your loss.
We are public adjusters — licensed insurance professionals who work exclusively for property owners, never for insurance companies. We take over the claim process and handle the dispute so you don’t have to.
We represent homeowners, commercial property owners, and real estate investors dealing with storm damage insurance disputes across California, Texas, Washington, and Oregon.
Undervalued roof assessments, matching disputes for siding, shingles, and gutters, excessive depreciation holdbacks, secondary water damage from compromised roofing, and repair-vs.-replacement disagreements. We document what your insurer's estimate missed and negotiate for the full cost of restoration.
Large-scale roofing system damage, building envelope and facade failures, commercial HVAC and rooftop equipment, interior water intrusion across multi-story structures, business income losses, and code compliance triggered by the scope of repairs. We handle commercial storm claims at the scale they require.
Multi-property storm event coordination across different policies and carriers, lost rental income, tenant communication and repair timelines, depreciation recovery strategies, and restoration scope that protects long-term property value. We manage the complexity so every property in your portfolio gets the settlement it deserves.
Understanding how National Claims Solutions helps policyholders like you with property insurance claims.
The answer depends on the extent of damage, the age and condition of your roofing system, and what your policy covers.
In many cases, a qualified roofing consultant or engineer can provide an independent assessment that gives you a clearer picture. We engage these professionals when warranted and use their findings to support your claim.
Most property insurance policies initially pay the depreciated (actual cash) value of damaged items, holding back a portion until repairs are completed. This is called recoverable depreciation.
In some cases, the depreciation applied is excessive or calculated incorrectly, which reduces your settlement below what it should be.
We review depreciation calculations and dispute them when they don’t align with your policy terms.
Matching disputes are extremely common in storm claims. If damaged materials can’t be matched with existing materials — due to color, profile, manufacturer discontinuation, or weathering differences — many policies require the insurer to cover the cost of achieving a uniform appearance.
We document matching issues and advocate for the coverage your policy provides.
Typically, no. Interior water damage caused by storm damage to your roof or building envelope is part of the same loss event.
Both the exterior storm damage and the resulting interior damage should be documented and included in your claim. We ensure the full chain of damage is captured.
We work on a contingency fee basis — a percentage of your claim settlement. There are no upfront costs.
Our fee structure is discussed during your initial consultation and clearly outlined in our agreement before you commit to anything.
Whether you have a new loss, a claim that needs help, or simply want to understand your options — we’re here to answer your questions. Fill out our claim review form, or reach out directly. No obligation. No pressure.
