RS Five's approach to insurance claims follows a consistent process: a free documented inspection first, then support through filing, an on-site advocate during the adjuster's visit, a review of the resulting scope and estimate, and follow-through on any underpaid items — all before work begins, so you know what's actually covered before committing to anything.

Step 1: Free documented inspection

Before anything is filed, RS Five's free AI drone inspection produces a Roof Condition Report — documented evidence of the roof's condition and any damage, independent of the insurance company's own assessment. This gives you (and your claim) a starting point that exists before any adjuster visit.

Step 2: Filing the claim

If the inspection supports it, the next step is reporting the damage to your insurance company. This is the homeowner's claim — RS Five isn't the policyholder — but having a documented inspection in hand before you call makes that initial report more concrete than "I think there might be damage."

Step 3: Being present for the adjuster's visit

Insurance adjusters inspect many properties in the weeks after a major storm, often on a tight schedule. Having a contractor present who represents your interests — not the insurance company's — means someone is there specifically to make sure the full extent of documented damage gets seen, not just what's visible on a quick pass.

Step 4: Reviewing the scope and estimate

Once the adjuster's assessment comes back, RS Five reviews it against the original inspection findings. If the scope looks consistent with the documented damage, the project can move forward. If something seems missing or underpaid, that's flagged before agreeing to move forward.

Step 5: Supplementing, if needed

It's common for an initial insurance estimate to miss items — code-required upgrades, additional damage found once work begins, or underpriced line items. When that happens, a supplement request goes back to the insurance company with documentation supporting the additional scope or cost.

Step 6: Completing the approved work

Once the scope and payment are settled, the actual roofing work proceeds — tear-off, installation, and cleanup, following the same process as any other RS Five project.

Step 7: Final walkthrough and paperwork

A completed project includes a walkthrough, warranty documentation, and confirmation that everything discussed and approved actually got done — closing the loop on both the construction side and the insurance side of the project.

Why this matters

Insurance claims are frequently the most confusing part of storm damage recovery for homeowners — not because the roofing work itself is complicated, but because navigating an insurance company's process while also trying to get a roof fixed is a lot to manage at once. A contractor with real experience in this specific process — not just roofing installation — is handling something genuinely different from a standard, out-of-pocket roof replacement.

Frequently asked questions

Does RS Five file the insurance claim for me? The claim itself is filed by you as the policyholder, but RS Five supports the process with documentation, on-site representation during the adjuster's visit, and follow-through on the estimate.

What if my insurance company denies the claim? A denial isn't necessarily final — depending on the reason, it may be worth a documented second opinion, a formal appeal, or in more significant disputes, involving a public adjuster or attorney.

Is there a cost for this level of support if I don't move forward with a repair? The initial inspection is free regardless of what you decide to do afterward.

Last updated: August 2026. If you're dealing with storm damage and want a documented starting point before you file, schedule a free AI drone roof inspection with RS Five.