Amplify Your Insurance Claim & Safeguard Your Property with K&M’s Insurance Expertise

At K&M Roofing, we understand that trust is everything when choosing a contractor. With over 60 years of combined experience and a reputation built on integrity, transparency, and superior craftsmanship, we’ve earned the trust of property owners throughout the region. We are fully licensed, insured, and an Owens Corning Platinum Preferred Contractor, ensuring your project is in expert hands. Unlike out-of-town storm chasers, we’re a local company committed to long-term service, and our satisfied clients can vouch for our reliability and quality work.

The roofing industry, unfortunately, has its share of unreliable contractors. That’s why we prioritize transparency and accountability in every project. K&M Roofing provides detailed, written estimates, a clear scope of work, and absolutely no hidden fees. Unlike pop-up companies that follow storms, we have a long-standing reputation, hundreds of successful projects, and verifiable credentials. We encourage property owners to verify our licensing, read customer reviews, and compare us to other reputable contractors before making a decision.

Yes. We know that restoration projects can disrupt usual activity, so we take every precaution to minimize downtime and protect your property. Our team secures job sites, safeguards HVAC units, and prevents debris from affecting your property. We use heavy-duty tarps, magnetic nail sweepers, and a strict cleanup process to ensure your property is left clean and hazard-free. Additionally, we coordinate with you to create a plan that allows for minimal disruption to your daily rhythms.

With K&M Roofing, there are no surprise costs or hidden fees. Our team provides detailed, itemized estimates upfront, so you know exactly what’s covered before work begins. If we uncover unforeseen issues—such as moisture damage or structural concerns—we bring them to your attention immediately and discuss the best solutions before proceeding. Our commitment is full transparency so you can make informed decisions without pressure or unexpected financial burdens.

Even if your roof isn’t actively leaking, hidden damage could be getting worse. Small cracks, seam separations, ponding water, and hail damage may not show immediate signs of failure, but over time, they weaken your roof’s structure. Left unaddressed, this can lead to interior leaks, insulation damage, mold growth, and costly repairs. Acting now helps prevent expensive damage to the quality of your property.

A professional inspection is the only way to know for sure. Signs that your roof may need replacement include: pooling water, deteriorating seams, membrane punctures, granule loss, or leaks. Even if everything looks intact, our team uses thermal drone scans and advanced moisture detection to identify hidden issues beneath the roof surface that could lead to major failures in the future.

Delaying necessary repairs can increase costs, reduce your roof’s lifespan, and risk insurance claim denial. Small problems often escalate into major structural damage, causing higher energy costs, interior water damage, and safety risks for any one on your property. Insurance companies may also refuse to cover repairs if they determine the damage was worsened by neglect.

Postponing roof repairs or replacement could cost you more in the long run. Insurance companies often impose strict claim filing deadlines (typically 6 to 12 months after a storm), and failing to act in time could mean paying out of pocket. Additionally, roofing material costs tend to increase year over year, making future replacements significantly more expensive.

Insurance companies expect timely action from property owners. If you delay filing a claim, they may argue that neglect, not storm damage, caused the issue—leading to partial or even full claim denial. By scheduling a free inspection now, you can document damage before it worsens and lock in your eligibility for coverage.

Yes — if your roof has damage, your insurance policy is designed to protect your investment. Damage restoration can cost tens or even hundreds of thousands of dollars, but if you have covered damage, your only out-of-pocket expense is your deductible. Many property owners unknowingly leave thousands of dollars in coverage on the table by not filing a claim. Our team ensures you get every dollar you’re entitled to while minimizing disruptions to your quality of life.

The timeline varies, but most claims are resolved within 2 to 8 weeks. The process typically follows these steps:

• 1-3 days: You file a claim with your insurance provider.
• 1-2 weeks: The insurance adjuster inspects the roof.
• 1-3 weeks: The claim is processed, and the first payment is issued.
• 1-4 weeks after completion: Your final insurance payment is released.

Having an experienced roofing contractor like K&M Roofing speeds up the process and ensures nothing is missed, so you receive the full payout you deserve.

Insurance claims typically do not increase your individual rates because they are considered “Acts of God” and not the fault of the property owner. However, if an area experiences widespread damage, insurance companies may adjust premiums for the entire region over time. Delaying repairs or ignoring damage could cost you far more in the long run.

Insurance adjusters work for the insurance company—not for you. If your adjuster underestimates or denies the claim, you have options. We fight for property owners by providing: A detailed damage report using thermal drone scans and high-resolution imaging. On-site representation during inspections to ensure all damage is properly documented. Assistance with claim appeals and re-inspections to challenge underpaid or denied claims. If needed, we can also connect you with a public adjuster to negotiate on your behalf and ensure you receive full coverage.

No—you have the legal right to choose your own roofing contractor. Some insurance companies push preferred vendors who may prioritize cost-cutting over quality. By choosing K&M Roofing, you get a trusted roofing expert who works for you, not the insurance company. We ensure your claim covers everything necessary for a durable, long-lasting roofing system—without hidden shortcuts.

The timeline depends on the size of the property, the complexity of the roof system, and weather conditions. Most hail and wind damage repairs can take anywhere from a few days to several weeks. Factors such as material selection, existing damage, and the need for additional structural repairs can also affect the schedule. Before starting, we provide a clear project timeline so you know what to expect.

‍

Successful installation requires a step-by-step approach to ensure long-term durability and minimal disruption. Our process includes:

• Identifying interior leak spots to determine the source of water infiltration.
• Comprehensive roof access & inspection to assess existing conditions.
• State-of-the-art drone inspection with thermal imaging to detect hidden moisture.
• Precision problem location & documentation for accurate repair recommendations.
• Addressing problematic areas with targeted repairs to extend the life expectancy of your entire roofing system.

Yes. We take extra precautions to ensure your property, including parking areas and landscaping, are protected throughout the project. Our team uses protective barriers, debris management systems, and thorough cleanup procedures to minimize disruption to the quality of your life of the function of your property.

If we uncover hidden structural damage, trapped moisture, or deteriorating insulation, we will immediately communicate our findings. We provide detailed documentation and solutions before proceeding so you can make informed decisions. Our goal is to prevent long-term damage and ensure your roof remains a reliable investment.

In most cases, it’s not necessary to be present during the installation. We work to minimize disruptions and can schedule work at convenient times for you. Our team will ensure all safety protocols are followed to protect your property while you continue with your daily activities. However, we recommend being available for any important communications or decisions that may arise during the process.

Yes, roof work can be loud, but we take measures to limit disturbances. We coordinate with property owners to establish quiet periods if necessary and use best practices to complete the work as efficiently as possible.

To ensure a smooth process, we recommend:

• Informing everyone who frequents the property about the project timeline.
• Securing valuable items or belongings that could be affected by vibrations.
• Designating an area for materials and crew access.
• Reviewing safety protocols with everyone at the property to ensure everyone feels comfortable and safe during the project.

Once your roofing project is complete, we:

• Conduct a final walkthrough and quality assurance inspection.
• Provide detailed documentation and warranty information for your records.
• Perform a thorough cleanup, including a magnetic nail sweep to ensure no debris is left behind.