Roof Insurance Claims, HAAG Master Documentation + Carrier-Funded Scope

Call JDH at (443) 241-7356 for emergency tarp coverage to stop any active leak. JDH provides free tarp coverage when you are filing an insurance claim. Then file the claim with your carrier within 60 days of the damage event. Request an adjuster inspection. JDH will meet the adjuster on the roof, document every finding in adjuster-grade photo format, and scope the repair to the standard your carrier expects. The whole process from first call to adjuster meeting typically takes 7-14 days.

Most Maryland and Virginia homeowner policies require notice within 60 days of the damage event. Some carriers extend to 1 year for the actual claim filing if notice is given within 60 days. Check your specific policy: the deadline is in the Conditions section, typically called "Notice of Loss" or "Prompt Notice." JDH's free inspection documents the damage so you have the evidence before the deadline.

It depends on the damage signature. Widespread hail damage (granule strike across multiple slopes), full-slope wind damage, or major tree impact typically funds a full replacement. Isolated wind damage on one slope often funds a partial replacement. The carrier funds what the inspection documents. JDH's HAAG Master Certified inspectors produce the documentation that supports the claim at the actual scope of damage. The majority of approved storm claims at JDH fund either a full or partial replacement; isolated single-event damage is more often scoped as a targeted repair.

Wind damage shows as lifted, creased, or missing shingles, often along ridges, valleys, and roof edges. Hail damage shows as granule loss in a strike pattern (round or oval bruises on individual shingles), typically across broad sections of the roof field. HAAG-trained inspectors test suspected hail with shingle gauges to distinguish functional damage from cosmetic blemishes. Carriers fund different scope for each: wind typically partial-slope, hail typically full-slope or full-roof.

JDH supplements underscoped claims with additional documentation. We submit the supplement to the carrier in the same Xactimate format the original scope used and reference the specific code requirements (Maryland Building Code or IRC) that justify the additional scope. Most supplements get partial or full approval within 2-4 weeks. JDH does not act as a public adjuster, but we provide the documentation that lets you or your public adjuster push for the correct scope.

No. A "contingency agreement" locks you into a contractor before your insurance approves the work, often with cancellation penalties. Out-of-state storm-chaser companies use them aggressively after Maryland storms. JDH does not require any contingency contract. We document the damage for free, you decide whether to file the claim, and you choose who installs the work after the carrier approves the scope. If a contractor pressures you to sign before the adjuster inspects, walk away.

Yes when you are filing an insurance claim with JDH. The carrier typically reimburses the tarp cost as part of the approved scope, and JDH covers the upfront cost so you do not pay out of pocket. For non-insurance jobs, tarp coverage runs $150 to $400 depending on roof size and is credited toward the repair quote if you move forward.

Most Maryland and Virginia carriers treat a single storm claim as a "weather-related event" that does not directly raise the policy premium (unlike a liability claim). However, multiple claims within 3 years, or a claim filed against a denied-storm scope (where the carrier disputes that the damage was storm-caused), can affect renewal pricing. JDH's documentation makes the storm-causation case explicit so the claim falls cleanly into the weather-event category.