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Insurance Roof Replacement

Full system roof replacement at cost on your approved claim. Materials at wholesale cost, one flat fee for the work, free virtual estimate in one business day.
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When Does Insurance Cover a Roof Replacement?

Wind and hail account for 40.7% of US homeowner insurance claims. If your roof was damaged in a covered event, your carrier may approve a full replacement. Here is what the carrier and the adjuster are looking for.

  • Hail strikes. Round bruises on shingles, displaced granules in concentrated patterns, dents on soft metals like vents and downspouts.
  • Wind damage. Lifted, creased, or torn shingles. Missing tabs after a windstorm. Exposed fasteners or felt.
  • Tree, branch, or debris impact. Punctures, broken shingles, or cracked decking from a fallen branch or storm debris.
  • Granule loss in the gutters after a storm. Black grit washed into the downspouts is evidence of impact, not normal wear.
  • Leaks tied to a specific storm date. Interior staining or active leaks dated to a storm event your carrier already has on file.
  • Roof past its underwriting life. Some carriers will non-renew or surcharge a 20 plus year roof. A documented replacement protects the policy and the premium.

If any of the above sounds like your roof, get a free virtual SkyeVantage estimate before you sign a claim with anyone else. Don't buy a roof until you've talked to us.

Our Insurance Roof Replacement Process

Hassle-free, virtual, and built around the claim. SkyeVantage coordinates with your carrier so your approved claim covers a full asphalt shingle system replacement at our pricing. The homeowner sees every receipt. The carrier sees real cost. Loss ratios drop. Carriers win. Homeowners win.

  1. Free Virtual Estimate in 1 Business Day Satellite measurements, no roof crawl. A 20 minute video call to walk through the damage, your claim, and your numbers. Proposal back in 24 hours. 100% virtual. No high-pressure, in-person sales meeting.
  2. Claim Documentation We document the scope of damage, the materials needed, and the labor in a format your carrier and adjuster can verify. Full transparency on the line items. No supplementation games.
  3. Material Selection You pick the shingle product. We supply it at wholesale cost. GAF Timberline HDZ, Owens Corning Duration, CertainTeed Landmark Pro, Atlas Pinnacle Pristine, Malarkey Vista, Tamko Heritage, IKO Cambridge. Class 4 impact-resistant options qualify for insurance discounts in many states.
  4. Permitting and Scheduling We pull the permit, schedule the inspection, and book the dumpster. The fee is built into the flat fee. You do not make a trip to the building department.
  5. Professional Installation Roof off, roof on in 7 to 10 days. Vetted, licensed, insured Preferred Installation Network crew. Synthetic underlayment, ice and water shield, drip edge, ridge cap, and balanced ventilation. Full system replacement that qualifies for the lifetime manufacturer warranty plus a 5 year workmanship warranty.
  6. Third-Party Inspection Axium inspects every project after install. Independent, not us. The final report goes to you and to the carrier on request.
Avg Roof Replacement Cost
Avg Roof Size
Avg SkyeVantage Timeline
Insurance Claims
$9,947 (US retail avg)
2,000 sq ft (20 squares)
7 to 10 days
~40.7% are wind or hail

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Insurance Roof Replacement Cost Factors

An insurance claim and a retail quote are not the same animal. Traditional contractors quote the claim at retail and bake their markup into the carrier's payout. We don't. The carrier sees real cost. The homeowner gets a full system. We have consistently seen the same approved claim cover a full asphalt shingle replacement under our pricing.

  • Scope of approved damage. The carrier approves a specific scope (full replacement, slope replacement, partial repair). The flat fee scales to the approved scope.
  • Deductible. The homeowner pays the deductible. We do not cover it. We do not offer to cover it. Offering to cover a deductible is illegal in many states and we refuse on principle.
  • Materials chosen. You pick the shingle product. We supply it at wholesale cost. Class 4 impact-resistant lines may unlock a premium discount with your carrier.
  • Code upgrades. Drip edge, ice and water shield, ventilation, and synthetic underlayment to current code. Many carriers cover code upgrades with an ordinance or law endorsement. We document them.
  • Coordination. The materials setup, the labor, the dumpster, the permits, and the third-party inspection. That is the flat fee. Everything else is at cost. You see the receipt.

If materials get ordered and not used, the refund goes back to you, not to us, and not to the carrier. Down to the penny.

SkyeVantage vs. Traditional Contractors

 
SkyeVantage
Traditional Contractor
Estimate process
One virtual call, satellite measurements, 24 hour proposal
Call 3 to 4 companies, 1 to 3 hours each in person
Pricing to carrier
Wholesale cost on materials, one flat fee, line items the adjuster can verify
Retail with markup, supplementations, inconsistent pricing
Timing
7 to 10 days from acceptance
4 to 6 weeks or more
Brand choices
All top systems available at the same wholesale treatment
Often one brand offered
Homework
We handle the carrier coordination
Homeowner reviews vendors, makes the calls
Quality check
Third-party Axium inspection on every project
Homeowner must verify quality personally
Permits
Always pulled with licensed installation company
Homeowner must check the permit was pulled
Supplementations
Never
Common, often inflated
Insurance tactics
No AOB. No deductible offers. No storm-chasing. Ever.
Door-to-door post-storm, deductible offers, AOB asks
Crew
Vetted, licensed, insured Preferred Installation Network crew
Often subcontracted
Warranty
Lifetime manufacturer warranty plus 5 year workmanship warranty
Varies, often shorter
Respectfully, the contractors in your zip code do good work. The model is broken. We rebuilt it. We have consistently seen the same approved claim cover a full replacement under our pricing.

Frequently Asked Questions

If your roof was damaged in a covered event (wind, hail, falling debris), your carrier may approve a full replacement. Wind and hail account for 40.7% of US homeowner claims. SkyeVantage coordinates with your insurance company when you ask. We document the scope so the adjuster can verify the line items. We never sign an Assignment of Benefits. We never offer to cover your deductible. Those are tactics we refuse on principle.

Free virtual estimate in 1 business day. Proposal in 24 hours from the video call. Install in 7 to 10 days from quote acceptance and carrier approval. A Preferred Installation Network crew handles the tear-off and install. Final inspection by Axium.

You pay your deductible. That is a homeowner obligation set by your policy. We do not cover deductibles. We do not offer to cover deductibles. Companies that promise a "free roof" or to "eat the deductible" are violating the law in many states. We refuse those tactics on principle. Beyond the deductible, the approved claim and our wholesale-plus-flat-fee pricing usually cover the full system.

No. We never sign an Assignment of Benefits. Your claim is between you and your carrier. We coordinate, document, and communicate when you ask. The check from the carrier comes to you. Materials at wholesale cost. One flat fee for the work. You see every receipt.

The flat fee scales to the approved scope. If the carrier approves a slope replacement, we coordinate the slope replacement. If the carrier approves a full replacement, we coordinate the full replacement. We do not pad supplementations to grow the claim. The carrier sees real cost.

Asphalt shingle systems only. You pick the brand. We supply it at wholesale cost. Standard architectural: GAF Timberline HDZ, Owens Corning Duration, CertainTeed Landmark Pro, Atlas Pinnacle Pristine, Malarkey Vista, Tamko Heritage, IKO Cambridge. Class 4 impact-resistant for wind and hail country: GAF Timberline AS II, Owens Corning Duration FLEX. Designer aesthetic: Owens Corning Duration Designer, CertainTeed Presidential Shake, GAF Grand Sequoia. Every roof gets synthetic underlayment, ice and water shield, drip edge, and ridge cap to manufacturer spec.

You get the refund. Satellite measurements drive the material order before install. You only pay for what actually gets installed. When traditional roofing companies have leftover materials, they return them to the supplier for a refund and pocket the money. We don't. That refund goes back to you. Materials at wholesale cost. You see the receipt.

No, in many states it is insurance fraud and illegal in most of the country. A deductible is a contractual homeowner obligation. A contractor who promises to "eat" it is either inflating the claim or skipping work elsewhere to absorb the cost. We do not work that way. Don't sign a claim with anyone until you've talked to us.

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