Commercial Roofing Insurance Claims in Louisiana

Why most claims get under-paid

Insurance adjusters are good at their jobs — and their job is to settle the claim for the smallest reasonable amount. They write scopes from the ground or a quick roof walk. They don't always identify hidden damage. They don't always include code-required items. And in busy seasons after hurricanes, they're overworked and pressured to move fast.

The result: most commercial roof claims pay out 20-40% less than the actual cost of code-compliant replacement. That gap comes out of the property owner's pocket — unless you have a contractor who knows how to document and supplement.

How we handle commercial roof claims

1. Free HAAG-certified inspection within 48 hours. We document every square foot with drone photos, hail-circle measurements, infrared moisture imaging where applicable, and code-required items the original install missed.

2. Xactimate scope — we write your scope in the same software carriers use, so when we present it to your adjuster there's no translation friction. Apples to apples.

3. On-roof adjuster meeting — we meet the carrier's adjuster on the property, walk the roof together, present our documentation, and answer questions. This is the single biggest factor in claim outcomes.

4. Supplement requests when needed — if the carrier's first scope misses code-required items, we file documented supplement requests with photos and code citations. Most carriers approve them.

5. Replacement & final billing — once the scope is approved, we replace the roof to spec and bill the carrier directly. Property owner pays only the deductible.

Common claim types we handle

• Hurricane damage — wind uplift, blown-off membrane, edge metal loss
• Hail damage — granule loss, membrane bruising, fastener punctures
• Wind damage outside of named storms (Louisiana hits 60-80 mph winds regularly)
• Tree / debris impact — punctures, structural damage, deck failure
• Equipment damage — HVAC unit dropped, satellite installer punctures, contractor damage
• Fire and smoke

Carriers we work with

Every major commercial insurance carrier — State Farm, Allstate, Liberty Mutual, Farmers, Travelers, Nationwide, Chubb, plus regional carriers like LWCC, Louisiana Citizens, and self-insured property managers. We speak their language and know their internal processes.