Insurance Claim Specialist


Your Local, Full-Service Siding Contractor.

Attention Homeowner's

Hail, Wind, and Storm Damage Is Considered An Insurance Loss

On Your Homeowner’s Policy!

When it comes to roofing insurance claims, most insurance companies will pay the entire cost, less your deductible, for replacing the roof if it is damaged due to a storm or natural causes. The claim is also considered a natural disaster and does not count against you for future rate increases. So, If you have storm damage on your roof, don’t make the mistake of paying out of pocket and make the right choice by contacting the team at American Choice Exteriors. We work hand-in-hand with all home insurance carriers and specialize in the insurance claims process.


Free Roofing Inspection

An Epert Team of Highly-Qualified Roofing Pros

Lifetime Warranty

Superior Customer Service

The Maryalnd Roofing Insurance Claims Process

If you own a home or business in Maryland, then you are no stranger to storms and the potential damage they can cause.

Between our usual rains, and the seasonal threats of storms, preparation and recovery from these situations are a regular part of the changing seasons.

But what about when it comes to your exterior and roof? Like most Maryland residents, you probably plan on leaving any roof-related damage in the hands of your insurance provider. Although, they are not the ones fixing your roof — they’re just helping pay for it.

You still need to find a contractor you can trust. A contractor that knows how to work with your insurance company to ensure your damages get covered. The Maryalnd roofing insurance claims process involves:

Contacting American Choice Exteriors for a Free Roof Inspection.

If we find your home qualifies for storm damage we will document all damage with photos and provide a written inspection report. Than protect the damage. We will than guide you through the claims process and help you open your claim with your insurance company.

Remember that a contractor like American Choice Exteriors works for you, while an adjuster works for your insurance agency. That’s why you need to know you can trust your contractor. We will meet with your adjuster on the scheduled adjustment date and work closely with the adjuster as they inspect the damage, ensuring they take detailed notes of all the damage to make sure you get everything you deserve and more! (Most insurance companies only pay for what is on your roof and we at American Choice Exteriors will upgrade your materials at no cost!)

If you already have a claim open, we ask that you provide us with a copy of your insurance adjusters summary report so we can review the scope of work and check all measurements to ensure all damage is fairly evaluated and reported accurately

Second, we match our contract to the work specified in the insurance adjusters summary report, including any supplements that may need to be added if the insurance adjuster missed something.

Third, we email the signed contract to the insurance company.

We will create a work order with all the specifications of the project for you to sign.

You will recieve the intial check from the insurance. We will collect this check for your deposit.

Materials will be ordered, delivered and an installation date will be scheduled.

The jobsite will be protected. Your new roof will be installed while you stay safe indoors. All debris will be cleaned and and your home will be left in the original condition before we started.

We will do a walk around your home and sign the Certificate of Completion which will be sent to the insurance company for them to release depreciation directly to you.

Once you recieve your Final Check you will recieve your final invoice and we will collect final payment.

Your Lifetime Warranty will be issued.


After a storm, it is important to note the condition of your roof immediately. A damaged roof means your house or structure is vulnerable to even more damage; and if the issue isn’t resolved quickly, you’ll find far more costly repairs headed your way. This is why you should contact a roofing inspector immediately after the storm; if not, as soon as possible.

If your home or business has been hit hard, give us a call at (301) 687-2345, and we’ll send one of our roofing experts out to help.


Samantha for American Choice Exteriors Contact Form
Insurance Companies

Insurance Claim Specialist

American Choice Exteriors, we work with Insurance Adjusters directly to ensure you get what you deserve. Insurance company representatives are trained to approve the minimum and without proper representation by a licensed roofing expert, you may not get what you are entitled to.

It’s like going to a life-sentence hearing without a lawyer! We are your advocates – let American Choice Exteriors ensure your Homeowner’s Insurance holds up to their end, otherwise what are you paying for?!

What Sets Us Apart From The Competition?

We Don't Use Subcontractors

All of our employees only work for American Choice Exteriors!

Lifetime Warranty

We self-insure our projects and offer lifetime roof warranties for homeowners because we believe in the quality of our work.

Price Match Guarantee

We’ll meet or beat competitors’ pricing every time. Guaranteed.


We get lots of questions from our clients. Below are just a few of the most common ones. But we understand every roof is different, every house is different, and you may have specific questions regarding your specific situation or project. We’d love to answer them for you!

Give our team a call at (301) 687-2345 We look forward to speaking with you.

How do I know if I have storm damage? My roof isn't leaking.

In a hailstorm, most hail that hits your roof and house may be too small to cause any damage.

However, a percentage of the hail may be large or irregularly shaped. This can cause severe damage that may not be readily apparent and may not result in a leak immediately.

It’s best to have your roof inspected by a state licensed roofing contractor such as American Choice Exteriors to determine if you need to file an insurance claim.

The insurance company withheld depreciation on my roof. Will I get that money?

Yes. Most homeowners policies cover full replacement value.

The first check the insurance company gives you is the Actual Value (AV); what the roof is worth today with it’s useful remaining life.

The money that was withheld is called the depreciation, or technically, the Replacement Value (RV) and will be paid to you when the work is completed or in some cases at the time a signed contract with a licensed contractor is submitted to the adjuster. 

Why did my insurance company withhold depreciation?

There are two reasons that insurance companies hold some money back.

The first reason is to make sure that you get the work done. Past experience has shown them if they give the customer all the money up front, many people end up spending it on something else.

The second reason is to make sure that you pay your full deductible. The insurance companies are trying to prevent people from trying to find a contractor who would perform the job for the dollar amount in hand. By holding a portion of the claim amount, they can adjust the final payout based on the roofing contractor’s invoice, ensuring the customer pays the deductible.

Why is my insurance company only paying for part of my roof?

No two houses receive the same amount for a claim as a result of storm damage.

Your neighbor may have sustained extensive damage, and you may have received none.

The insurance company will only pay for the actual damages incurred. If the entire roof was not damaged the insurance company cannot pay for the whole roof.

However, if is it border line, it always helps to have your roofing contractor inspect the roof with your insurance adjuster to accurately assess all damage to the roof.

Often times, insurance adjusters may not see the damage in the same way a roofing contractor will. In addition, they may not be able to get up on your roof and inspect certain areas.

Excellent Roofing ensures a helpful presence to look out for your best interest and assist the insurance adjuster if needed with damage assessment, photographs, and measurements.

Will I pay my deductible to my insurance company or the roofing contractor?

When most people look at their insurance paperwork they are confused because they think the insurance company deducted their deductible from the money the insurance company has sent them.

However, the deductible is the amount that the homeowner is responsible for paying directly to the contractor.

The insurance company subtracts the homeowners deductible on the paperwork from the total amount the insurance company allows for the claim since the homeowner will pay their deductible directly to the contractor.

The balance is the total your insurance company will pay for the claim minus the deductible you’ll pay to the contractor directly. 

Can I advoid paying my deductible for a roofing claim?

Legally, you can’t. Of course, a roofer in collusion with a homeowner can submit falsified invoices.

However, this is considered insurance fraud and its illegal. Please don’t ask us to do this.

Client Testimonials

We love hearing from our customers! We invite you to read many more 5-Star reviews and testimonials from our clients.

Based on 83 reviews
Pat Poon
May 25, 2022.
I am very impressed with Brandon. He's a nice young man and very honest. American Choice Exteriors is a great company and I would recommend them if you ever need your roof repair or replaced. Very honest and professional. No high pressure sales. Thank you Brandon!
Dennet Oregon
May 22, 2022.
Had the roof of my shed repaired. Damage was due to falling branches. Amir, the owner sent an employee out to inspect the damage same day as request. The employee came out on time and was very respectful. Overall I'm happy I chose American Choice Exteriors for this smaller job. I will definitely be using them to replace the siding on my house.
Chenhong Zhang
May 19, 2022.
Al Daniels
April 2, 2022.
Brandon was honest and quick. We had some roof shingles blow off in a storm and we called for help even though our roof was relatively new. He gave us a fair price ($800 less than what another roof repair company had quoted us the day before) and he was able to complete the work the same morning. Now we have peace of mind knowing we were able to get the shingles repaired before the next rain storm. We will definitely call American Choice Exteriors for roofing needs in the future. Also worth mentioning it was easy and convenient to schedule this appointment online
Stephen Chite
February 28, 2022.
American Choice Exteriors patched our roof after a branch fell and punctured our roof. They were incredibly responsive, answering calls and texts on a Sunday morning, and they came out within a few hours to patch up the hole in our roof. They were also helpful in making sure everything was coordinated with our insurance company, making the claims process much easier than it could have been. When it came time to replace the roof, it was really easy to get a date scheduled, and they ended up starting the project a day early. Most impressively, they removed two layers of old roofing and installed a new roof all in one day. Amer and Brandon both remained incredibly communicative and helpful throughout the process.
Cyriac Edappully
February 18, 2022.
Brandon did a great job communicating with my insurance company to get a new roof installed. Brandon was very professional and explained all the steps necessary to get the job done. Brandon was also very punctual and quick to respond to questions and messages. Once we had a date selected for the install the team came out finished a smooth installation and clean up.
Jon Choi
January 12, 2022.
tedrick vernon
December 15, 2021.
Reach Ricw
December 15, 2021.
Fantastic service I would use them again in a heartbeat Britney the receptionist was prompt in responding back to my voicemail Brandon cade the representative that came out was phenomenal very professional was able to explain clearly and concisely what services were offered and was professional the entire time and no question was treated as if it was a dumb question. He took pictures of the shingles that needed replacing and he replaced them promptly. As a customer I am one of the few customers that not only brings it to the attention Of the owner or manager when I’m displeased but I also bring it to them when I’m pleased and this is one of the interactions that I am very pleased with and I would definitely recommend and use this company again and I would ask for Brandon by name to come out to my house For future service and also suggest that anyone reading this review request him by name as well
Maria Saadiqa
December 14, 2021.
Great service, ontime, reliable and professional. Can not ask for better