Don’t Overpay for Your Roof Replacement — Let Insurance Help You Cover It

At Spartan Shield Roofing, we specialize in navigating the insurance claim process — so you might only pay your deductible.

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  • Licensed & insured
  • 5+ years serving the Delaware & Maryland areas
  • 68+ 5-Star Customer reviews
  • BBB / local chamber affiliation

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Get Help Financing Your New Roof!

At Spartan Shield Roofing & Home Improvement, Inc., we want you to receive the best service possible so that you can rest easy under your roof. To that end, we have successfully recommended Upstart to offer financing options that accommodate your budget. You can see your personalized monthly payment options within minutes without affecting your credit score. There are a number of affordable monthly payment options available. Best of all, funding is available within 1-3 days, so you don’t have to wait long to start your project.

 

Discover convenient monthly payment plans tailored to your needs—without impacting your credit score. Try the Upstart Loan Calculator now. Additionally, we now accept credit card payments for all roof replacement projects. Please note that a third-party processing fee of 3.0% will be applied to your project estimate prior to signing.

Why Work with Us + Our “Insurance-Advocate” Promise

Why Most Homeowners Overpay

Many don’t realize that storm, hail, wind, or impact damage may already be covered under their homeowners insurance (minus the deductible). Insurers often under-assess or omit damage unless properly documented.

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How Spartan Shield Roofing Helps You

Less hassle, stronger claim, more coverage.

1

We perform a free roof inspection and damage assessment.

2

We review your insurance policy (RCV vs. ACV, exclusions, deductible) to advise you.

3

We meet the adjuster onsite with you and advocate for your coverage.

4

After claim approval, we schedule the replacement — you typically pay only your deductible.

How the Insurance-Backed Roof Replacement Process Works

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Step 1:  Free Roof Inspection & Damage Analysis

We inspect every slope, flashing, valleys, penetrations, interior signs of leaks.

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Step 2: Insurance Policy Review & Claim Strategy

We determine whether your policy is Actual Cash Value (ACV) or Replacement Cost Value (RCV), confirm coverage windows, and explain what you can expect. 

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Step 3: File the Claim & Submit Documentation

We help you file the claim, submit the damage report, photos, and scope of work.

Step 4: Meet with the Adjuster Together

We accompany you during the adjuster’s inspection, point out all damage, and negotiate disputed items.

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Step 5: Roof Replacement / Final Walk-through

Once your claim is approved, we schedule and install the roof. You pay your deductible, and the insurer issues payment.

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Insurance Claim Checklist

Step

What You Should Do

Why It Matters

1.

Document Immediately: Take photos (wide & close) of roof damage, debris, interior leaks, fallen shingles.

Insurance needs proof of damage. 

2.

Save Receipts / Emergency Repairs: If you had to tarp or patch, keep invoices and records.

Insurers may reimburse temporary repairs.

3.

Call Your Insurance Agent / File a Claim: Report the loss promptly; ask about what’s covered and your time window.

Delayed claims may be denied.

4.

Review Your Policy: Check whether you have ACV or RCV coverage, check your deductible, exclusions.

This affects how much the insurer will pay.

5.

Get Estimates from Certified Roofers: Request written, itemized quotes showing full scope (materials, flashing, labor).

These help you contest low adjuster estimates. 

6.

Meet Adjuster Together: Be present during their inspection. Bring your documentation and your contractor

Reduces misunderstandings and omissions.

7.

Confirm Scope & Approval: Ensure all damaged items (vents, flashing, trim, decking) are included.

Avoid hidden exclusions later.

8.

Sign Drafts / Mortgage Payee Handling: If insurer issues checks via mortgage company, follow their processes.

Prevents payment issues.

9.

Oversee the Installation: Inspect materials, workmanship, warranty.

Ensures job is done per claim.

10.

Submit Proof & Ask for Recovery Depreciation: Submit final invoices so the insurer can release withheld depreciation (if RCV).

You may receive a second check.

Frequently Asked Questions

  • Will my insurance always cover a new roof?

    It depends on the cause of damage (storm, hail, wind, fire) and your policy’s terms. Also, whether your policy is RCV vs ACV plays a big role. 

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  • What’s the difference between ACV and RCV?

    ACV pays you the depreciated current value of your roof. RCV covers full replacement cost minus your deductible, with depreciation withheld until final proof of work is submitted.

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  • Can the insurance company deny my claim?

    Yes — claims can be denied if damage is deemed “wear & tear,” if the claim is late, or if documentation is weak. That’s why having a strong advocate (like your roofer) is crucial.

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  • Should I sign a contract before the insurance approves?

    No. Be wary of contractors who push you to sign before your claim is approved. A reputable roofer waits until your claim is authorized. 

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  • What if the adjuster’s estimate is too low?

    You can request a supplement to include additional items, or negotiate with documentation, or even get a third-party adjuster. 

    LEARN MORE

Ready to see how much insurance can cover your roof? 

Schedule your Free, No-Obligation Roof Inspection today. Fill out the form or call us at (302) 599-1914. We’ll walk you through your coverage and next steps

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