FAQ

Question 1

How quickly can you respond after a storm?

Accepted Answer

We prioritize emergency calls and begin scheduling inspections as soon as conditions are safe. For active leaks or exposed decking, we provide temporary tarping to prevent further interior damage.

Question 2

Should I file my insurance claim before calling a roofer?

Accepted Answer

Yes. Under Louisiana’s Act 144 (effective August 1, 2025), contractors are prohibited from advertising as insurance claims specialists or providing policy interpretation services. Contact your insurer first to open the claim, then call us. We provide the inspection, documentation, and estimate your adjuster will need.

Question 3

How long do I have to file a storm damage claim in Louisiana?

Accepted Answer

You generally have 180 days from the date of a declared hurricane or state of emergency to submit proof of loss. The deadline may be paused during mandatory evacuations, depending on the specific emergency declaration.

Once your insurer receives satisfactory proof of loss, they have 30 days to pay on standard claims under La. R.S. 22:1892, or 60 days to pay on residential catastrophic loss claims under La. R.S. 22:1892.2. File as early as possible.

Question 4

What is a named storm deductible?

Accepted Answer

It is a separate deductible that applies to damage from a storm designated by the National Hurricane Center. In Louisiana, named storm deductibles typically range from 2% to 5% of the insured property value.

Question 5

Will insurance cover storm damage on an older roof?

Accepted Answer

Insurance generally covers storm damage regardless of roof age when the damage results from a covered event like wind or hail. Proper documentation distinguishing storm damage from normal wear is critical for older roofs.

Question 6

What if my insurance company undervalues or denies my claim?

Accepted Answer

You have the right to dispute the decision, request a reinspection, and submit additional documentation. A licensed public adjuster or property insurance attorney can represent your interests for complex disputes.

Question 7

Do you repair commercial roofs after storms?

Accepted Answer

Yes. We hold a commercial contractor license and perform storm damage repairs on offices, retail spaces, restaurants, and multi-family buildings throughout the Greater New Orleans area.

Question 8

How do I verify that a roofing contractor is legitimate?

Accepted Answer

Confirm a valid Louisiana license through the LSLBC, ask for proof of general liability and workers’ comp insurance, verify a permanent local address, and request references from previous storm damage work in your area.