Storm Damage & Insurance Repair — Frequently Asked Questions

  • You should contact a professional storm damage contractor first.
    We can inspect, document damage, and advise whether filing a claim makes sense. Once a claim is filed, we meet the adjuster on site to verify all storm-related repairs are included.

  • Typically, storm-related claims are considered “no-fault” weather events.
    Since you cannot control hail or wind storms, most policies do not raise rates for these claims — but your carrier can confirm your specific policy.

  • Get a second opinion. Storm damage — especially wind and hail — is often subtle and overlooked on quick inspections. Timbercrest uses weather reporting, slope-to-slope inspection, and photo documentation to verify whether damage exists.

  • Most insurance policies allow 1 year from the date of loss, but some carriers allow longer.
    Because wind and hail damage worsens over time, it’s best to inspect immediately following a storm.

  • No.
    You are 100% free to choose any licensed contractor.
    Insurance companies can suggest contractors, but the choice is yours, and Timbercrest is fully qualified to perform all approved repair work.

  • Partial approvals are common — especially with wind and hail.
    Timbercrest can request reinspection, submit supplemental documentation, and work to justify full replacement if damage is widespread.

  • Your policy requires reasonable steps to prevent further damage.
    Timbercrest offers emergency roof tarps to protect your home from water penetration until repairs are authorized — and tarp costs are often claimable.

  • Yes.
    Insurance will cover the like-for-like replacement.
    If you choose a premium product or color outside of your existing line, you only pay the difference — we handle ordering and documentation.

  • Yes.
    We work with every major insurance company in Michigan, as well as local and regional carriers.
    We document damage, meet adjusters, process supplements, and make sure the approved scope matches real needs.

  • Local reputation, certified crews, and long-term accountability.
    Most storm-chasing outfits leave the state within weeks or months — with no warranty support.
    Timbercrest has been serving Genesee County homeowners since 2003 and stands behind every job.