Dealing with your insurance company after storm damage is one of the most stressful things a homeowner can face. Carolina Vance Restoration has helped hundreds of NC homeowners navigate the process — and get the coverage they deserve.
North Carolina homeowners insurance policies cover sudden and accidental damage to your roof — including damage from hail, wind, falling trees, and ice storms. What many homeowners don't know is that their insurance company is legally obligated to cover the full cost of restoring their roof to its pre-damage condition, minus their deductible.
The problem is that insurance companies are businesses — and their goal is to pay as little as possible on every claim. That's where having an experienced contractor on your side makes the difference.
Before you file anything, call us. We'll inspect your roof first — for free — and give you an honest assessment of whether the damage warrants a claim. We don't waste your time or your insurance company's time.
We thoroughly photograph and document every piece of damage — from multiple angles, inside and out. This becomes the foundation of your claim file and ensures nothing is overlooked.
You file the claim with your insurance company. We guide you through what to say and what not to say, so you don't accidentally give the insurer a reason to deny your claim.
When the insurance adjuster comes out, Carolina Vance will be there with you. We walk them through the damage, point out everything they need to see, and make sure nothing is missed during the inspection.
Once your insurer issues their estimate, we review it line by line. If they've underestimated anything — materials, labor, or scope — we dispute it on your behalf with documentation.
Once the claim is finalized, we complete your roof restoration to the highest standard — using quality materials, proper permits, and our full workmanship guarantee.
Our work is included in the insurance claim. If your claim is approved, your cost is typically just your deductible. We'll tell you upfront exactly what your out-of-pocket will be — no surprises.
📞 Call to Start Your Claim →Most NC policies have a statute of limitations on storm damage claims. File quickly — don't wait months or years. The longer you wait, the harder it is to prove the damage was from the storm.
Insurance companies often open low. If the first estimate doesn't cover the full scope of damage, we dispute it with our documentation — and we almost always get more money approved.
Don't sign a "proof of loss" or "sworn statement" before reviewing it with us. Once you sign, you may be locked into a lower settlement.
The roofer your insurer recommends works for them, not you. You're entitled to choose any licensed contractor. Carolina Vance works for YOU — and it shows in every detail of the job.
Don't navigate the insurance process alone. Call Carolina Vance Restoration first — before you file, before you sign anything. We'll tell you where you stand, for free.
📞 Call (252) 425-2932