Roof Insurance Claims in Evanston, WY

The roof inspection is free for homes and businesses in our Wyoming service area. We are paid from your approved claim proceeds. If your claim is denied, you owe us nothing. You only pay your deductible. The payment schedule is written in the contract you sign.

No. Gregco documents the conditions found on the roof and puts them in a written scope with a recommendation: repair, replacement, or nothing at all if that is what the roof shows. Whether the damage is covered, and how much gets paid, is decided by the insurance company.

Storm damage comes from one event, like a hailstorm or a strong wind. Hail bruises shingles and dents soft metal such as vents. Wind lifts, creases, or tears shingles. Normal wear builds over years: shingles curl, crack, and shed granules with age. We photograph what we find and explain what we see. A storm history report lists dated hail and wind events with reported hail size and wind speed. It is a weather record, not an inspection or a damage finding. Request a free storm history report.

Actual cash value (ACV) pays what your roof is worth today. That is the cost of a new roof minus depreciation, the value it lost to age and wear. Replacement cost value (RCV) pays what a new roof of the same kind costs, with no deduction for age. Many RCV policies pay in two parts. The first payment is based on ACV. The depreciation held back comes after the work is done and proof is sent. A simple example: if age took 30 percent off your roof’s value, an ACV policy pays about 70 percent of the cost of a new roof, and the 30 percent is yours to cover. An RCV policy typically pays that same 70 percent first and releases the other 30 percent once the new roof is in. Your deductible comes off either way.

Open your policy and look for a section called “Loss Settlement.” Some policies also have a “Roof Settlement” section or a roof endorsement, often near the back. That wording says whether your roof is paid at actual cash value or replacement cost. Your insurance agent can point you to the right page.

A dated set of photographs showing the conditions found, organized by area of the roof, along with a written scope describing what was found, where it is, and the repair or replacement recommended. That record belongs to the owner, to use however they choose: with an insurance company, with a second contractor, or with no one at all.

Watch for a crew that knocks right after a storm and pushes you to sign that day. Other red flags: no local address, no business license, cash up front, or an offer to cover your deductible. Before you sign, check the license, the street address, and the reviews. Gregco is licensed by the City of Evanston.

No. An offer to pay, waive, or discount a customer's deductible is insurance fraud, not a discount, no matter how it is worded or who is making it. These offers tend to come from crews knocking on doors right after a storm, timed to catch a homeowner before they get a second opinion. Treat any version of it as a reason to walk away, and verify a business license and a physical address before signing anything with anyone.

There is no single deadline that applies to every policy. Reporting windows are set in each policy's own terms, so check yours or ask your agent. What holds true regardless of the exact window: damage does not improve by waiting, granule loss keeps exposing the mat to weather, and a longer gap between the storm and the documentation leaves more room to question when the damage actually happened.

Waiting long enough after a storm that conditions change, or when the damage happened becomes hard to establish, is one. Starting repairs, even temporary ones, before anything is photographed is another, because it can remove the evidence a written record depends on. A third is relying on a verbal opinion instead of a dated, photographed scope that another contractor or the insurance company can actually review.

A supplement is an addition to an insurance estimate for damage or cost that was not part of the original scope, often decking or structural damage that only becomes visible once the old roofing is removed. When that happens during a project, Gregco photographs the added condition and puts it in the written scope, the same as everything else found on the roof. We send it to your insurance company with the photos.

That depends on your insurance company and your policy, so ask your insurance agent before you file. We give you our inspection findings and photos first, so you can decide with the facts in hand.

If your claim is denied, you owe us nothing. A denial is the insurance company’s coverage decision, not a finding about your roof. If the roof still needs work, we can complete the written scope as a regular paid project. That choice is yours. You can apply for financing through participating lenders, subject to credit approval.