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Understanding the insurance claims process
If a storm damaged your home, the repair process and the insurance process start at the same time — and the insurance one has a deadline. Here is exactly how it runs, start to finish.
Assess the damage
When the damage is obvious you already know. A DryTime inspection tells you how much damage is actually there and whether you are looking at a repair or a replacement. You get the photo report the same day, whether or not there is a claim in it.
Claims adjustment
Your insurance company sends an adjuster to inspect the roof. That visit is where the value of the roof and the cost estimate get decided.DryTime is there for it. Twenty years of filing these means knowing the terms adjusters use and what belongs in the scope — and after the visit, DryTime walks you through what was written and answers anything before you move forward.
Insurance company approval
Once the claim is submitted, the insurer sends a check to start the work.
Roof repairs or replacement
Once everything is cleared with the insurance company, the work goes on the schedule.DryTime installs across every system — shingle, metal, flat and low-slope, cedar shake, synthetic and green — so the roof that goes back on is the right one for the house, not the only one the contractor carries.
Completing the process
When the work is finished, the final invoice goes to your insurance company.The insurer then releases the rest of the money — the depreciation held back in step 3 — as a second check covering the remaining cost of the work.
After a storm, everyone shows up. Most of them leave.
Door-to-door roofers and out-of-state storm chasers work a neighbourhood hard after hail. They offer a free inspection, get a signature, do the job, and are gone before the season ends.
A workmanship warranty only means something if the company that wrote it is still in Central Indiana in five years. DryTime has been here over 20 years, out of an office at 8103 US Highway 36 in Avon.
Where is your office, and how long have you been at that address?
Are you licensed, bonded and insured in Indiana — can I see it?
Will you be at the adjuster meeting?
Who honours the workmanship warranty in five years?
Are you asking me to sign anything today?
What's typically covered
DryTime is not limited to one product line. If it keeps the structure water-tight, DryTime installs it — and the inspection tells you which system actually suits your roof, your pitch and your budget.
Roof replacement or repair from hail, wind or storm damage
Gutters, downspouts, siding and windows damaged in the same event
Emergency tarping and mitigation
Code-required upgrades in the replacement
Interior damage caused by the roof failure
Vegetative assemblies; the deck and drainage get engineered first.
General guidance, not a coverage guarantee. Your policy and carrier decide. Your agent can confirm your specific terms.
Questions before you call
The most common questions that people ask are listed below. Still have questions? Click the button below to connect with our team.
How long does a roof replacement take?
Do I need a full replacement or just a repair?
Will you shingle over my existing roof?
What does the lifetime workmanship warranty cover?
What will it cost?
Do you work in my city?
Do you work outside Indianapolis?
Every hour that roof stays open costs more than the call does.
A free inspection takes under an hour and tells you exactly where you stand — with your roof and with your carrier.
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