Claims
When the claim happens, your broker matters.
Roofing claims often involve multiple parties, contested causation and a subcontractor somewhere in the chain. Our role is to keep the process organized, documented and moving — and to make sure the file reflects what actually happened.
Our Role
Advocacy, not administration.
A claim reported and forgotten is not service. We stay engaged from first notice through resolution, then feed what the claim revealed back into the risk management plan.
Claim Reporting
Reporting protocols for the field and the office so incidents reach the carrier promptly and completely. Late reporting raises cost independently of the injury itself.
Claim Coordination
A single point of contact among your team, the carrier, adjusters, defense counsel and, where relevant, general contractors and owners.
Coverage Communication
Plain explanation of what the policy responds to, what is disputed and why, including reservation of rights letters and their practical effect.
Loss Documentation
Photographs, daily reports, contracts, subcontractor agreements, certificates and job records assembled into a coherent file before positions harden.
Reserve Review
Scheduled review of open reserves against the facts, with attention to valuation dates and the effect on your experience modification.
Adjuster Coordination
Consistent follow-up on open items, inspections and delays so claims do not sit idle between status notes.
Counsel Communication
Coordination with assigned defense counsel and your own attorney so coverage positions and litigation strategy stay aligned.
Tender & Risk Transfer
Pursuing tender to subcontractors and their carriers where agreements, additional insured wording and certificates support it.
Large Loss Strategy
Coordinated strategy on severe matters: water intrusion, structural damage, serious injury, fire following hot work or multi-party construction disputes.
Claim Reviews
Standing reviews of open claims with the carrier ahead of renewal and experience modification valuation dates.
Loss Trend Analysis
Analysis across claim causes, crews, locations and project types to direct safety and operational corrections.
Roofers Specialty advocates for the client. Carriers determine coverage. We do not guarantee coverage determinations, reserves, timing or claim outcomes, and nothing on this page is legal advice.
Claim Lifecycle
Every claim follows the same path. Few are worked the same way.
Incident
Secure the site and the people first. Preserve conditions and begin documentation while the facts are still visible.
Notice
Report to the carrier promptly, and report to us at the same time. Prompt notice is a policy condition, not a courtesy.
Investigation
Adjuster assignment, statements, site inspection and document requests. This is when the file's direction is largely set.
Coverage Position
Acceptance, denial or reservation of rights. We translate the position and press for the basis behind it.
Reserve
The carrier sets a reserve that will follow you into rating. We review it against the facts rather than accepting it by default.
Resolution
Settlement, defense or closure, with tender pursued where risk transfer supports it.
Post-Claim Review
What the claim revealed feeds the safety program, the contract language and the next submission.
What To Do After a Loss
The first hours decide how the claim is investigated.
Practical first-response guidance by loss type. Print it, post it in the shop, and make sure the crew leads know it.
Serious injury: the first hour sets the file.
Medical care comes first. After that, what is documented in the first day determines how the claim is investigated, reserved and defended.
- Get medical attention and, where required, transport to an approved provider
- Secure the area and preserve equipment, harnesses, anchors and ladders as found
- Photograph the location, fall protection in place and surrounding conditions
- Identify witnesses and record their statements the same day
- Report to the carrier and to us immediately, before the investigation is shaped by others
- Do not alter the site or discard equipment involved in the incident
- Begin the return-to-work conversation as soon as the treating provider allows
Common claim mistakes
Most avoidable claim cost comes from process, not from the incident.
- Reporting late because the injury looked minor or the damage seemed manageable
- Handling a claim directly with the adjuster and telling the broker afterward
- Repairing or discarding equipment involved in a serious incident
- Missing the tender window because the subcontract file was incomplete
- Accepting a reserve without reviewing the facts behind it
- No modified-duty offer, so a medical-only claim becomes lost time
- Written statements to owners or general contractors that concede causation
- Reviewing loss runs only when the renewal proposal arrives
Before the claim
Most claim positions are set early.
Contract wording, additional insured status, subcontractor agreements and documentation practices determine where you stand long before an adjuster is assigned.
Claim support
Discuss an open or disputed claim.
Describe the loss, where it stands and what the carrier has said. We will tell you what we would do next.
Submitting this form does not report a claim to any insurance carrier and does not create a broker relationship. Report claims directly to your carrier within the time frame your policy requires. We do not promise any claim outcome.