Storm damage isn't always obvious from the ground. Hail dents, lifted shingle seals, cracked ridge caps, and bruised shingle mats don't show up from the driveway. Our HAAG-trained inspectors get on the roof and check every slope, every flashing detail, and every penetration point.
We work with every major insurance carrier in NC: State Farm, Allstate, USAA, Liberty Mutual, Farmers, Nationwide, and more. Our supplement team knows Xactimate line items and fights for full replacement when your roof qualifies. If the initial estimate seems low, we document additional damage and resubmit.
Our Storm Damage Repair Process
Damage Assessment
Our HAAG-trained inspector documents everything the insurance adjuster needs: hail hit density, impact severity, functional vs. cosmetic damage classification, and affected areas by slope. This level of documentation is why our claims get approved.
Claim Documentation
Our office prepares the claim package: photo evidence, damage scope, material specifications, and repair estimate in Xactimate format. We file with your carrier and track the claim through to adjuster assignment.
Meet the Adjuster
We meet your insurance adjuster on-site and walk the roof together. Point out every area of damage documented in our report. If the adjuster misses something, we supplement with additional evidence.
Repair or Replace
Once approved, our Stem crew handles the repair or replacement at the insurance-agreed price. You pay your deductible. We do the work, file the completion paperwork, and you're done.
What Stem Customers Say
"Our neighbors recommended them and now we understand why. Meticulous attention to detail and they treated our home like it was their own."
"Responded fast and got the job done right the first time. Crew was polite, professional, and cleaned up everything. Would absolutely hire again."
"Best experience we've ever had with a home service company. On time, on budget, and the results exceeded what we expected. Truly top-notch."
Why Choose Stem Roofing & Maintenance for Storm Damage Repair?
Xactimate Documentation
Our estimates use Xactimate, the same software your insurance company uses. This means faster processing and fewer disputes over line items.
Full Manufacturer Warranty
Your storm-restored roof gets the same manufacturer warranty as any other replacement. Manufacturer-certified installation regardless of who pays for it.
HAAG Certified Inspectors
HAAG certification is the insurance industry standard for forensic roof inspection. Our reports are trusted by adjusters because they follow the same methodology carriers use.
Every Carrier Accepted
State Farm, Allstate, USAA, Liberty Mutual, Farmers, Nationwide. We work with every major insurance carrier in NC.