When a storm, fallen tree, or sudden event damages your roof, navigating the insurance claim process can feel overwhelming on top of everything else. MLM Construction Group has years of experience helping Brooklyn homeowners get the coverage they deserve.
We provide complete written damage assessments, photo documentation packages, and detailed repair estimates in the format insurance adjusters require. We also coordinate directly with your insurer so you do not have to.
📞 Damage from a recent storm? Call us immediately at (516) 713-9199, we can have an inspector on your roof within hours.
We come to your property and conduct a thorough roof inspection, documenting all damage with detailed photos and written notes.
You call your insurance company to open the claim. We provide you with a written damage summary to reference during that call.
We are present during the insurance adjuster's inspection and provide our documented assessment so nothing gets missed.
We submit our detailed line item repair estimate directly to your insurer in the format they require for fast processing.
Once approved, we schedule your repair or replacement, typically within 1 to 2 weeks of approval.
We complete the job and provide final documentation including warranties, permits, and completion certificates for your records.
💡 Not sure if your damage is covered? Call us for a free inspection. We will give you an honest assessment and tell you whether an insurance claim makes sense before you file.
This is the distinction that decides every roof claim, and getting it wrong wastes months. Insurers cover sudden, accidental damage. They do not cover wear.
| Cause | Usually covered | Why |
|---|---|---|
| Wind damage after a named storm | Yes | Sudden event with a date |
| Impact from a tree or branch | Yes | Sudden and accidental |
| Hail damage | Yes | Sudden event, though less common in Brooklyn |
| Water entry through storm damaged roof | Yes | Consequence of a covered cause |
| A roof that simply wore out | No | Wear and tear, excluded in every policy |
| Gradual leak over several seasons | No | Not sudden, and often flagged as deferred maintenance |
| Damage made worse by delay | Often reduced | Policies require you to mitigate promptly |
Photograph everything before you clean up or cover anything. Wide shots showing the whole elevation, then close ups of each damaged area. Photograph the inside damage too, and the date matters. Then mitigate: a tarp or temporary dry in is not just sensible, most policies require you to prevent further damage and will reduce a payout if you did not. Keep every receipt, including the emergency call out, because mitigation costs are usually reimbursable.
What loses claims most often is cleaning up first and calling the insurer afterwards. Once the evidence is gone the adjuster has only your description to work from.
Dated photographs of every condition, a written scope of the damage, and an itemized estimate the adjuster can work line by line against their own. We will meet the adjuster on site, which frequently resolves a disagreement about scope in twenty minutes that would otherwise take three rounds of letters. We are licensed under NYC DCWP HIC #2130570 and fully insured, and our documentation is built for this purpose rather than adapted to it.
We will not tell you a worn out roof is storm damage. It is the fastest way to get a claim denied and flagged, and it is not a service. If your roof has simply reached the end of its life we will say so and quote the replacement honestly. We also will not promise a claim will be approved, because that is the carrier's decision and anyone who guarantees it is selling you something.
A denial is not always final. You can request the adjuster's report and the specific policy language relied on, and you can ask for a reinspection. Where the dispute is about scope rather than cause, a detailed contractor estimate with photographs frequently moves it. Where the denial is because the damage is genuinely wear, we will tell you that further effort is not worth your time.
If the damage was sudden and accidental, such as wind after a named storm or impact from a tree, generally yes. If the roof simply wore out, no: wear and tear is excluded in every policy. Gradual leaking over several seasons is usually treated as deferred maintenance rather than a covered loss.
Photograph everything before you clean up or cover anything, wide shots and close ups, inside and out. Then mitigate with a tarp or temporary dry in, because most policies require you to prevent further damage and will reduce the payout if you did not. Keep every receipt, including the emergency call out, as those costs are usually reimbursable.
Yes. We provide dated photographs, a written scope and an itemized estimate the adjuster can compare line by line against theirs, and we will meet them on site. That meeting often settles a scope disagreement in twenty minutes that would otherwise take three rounds of correspondence.
No, and we would not. It is the fastest route to a denied and flagged claim, and it is not a service to you. If your roof has reached the end of its life we will say so plainly and quote the replacement honestly. We also never promise a claim will be approved, because that decision belongs to the carrier.
Not necessarily. Request the adjuster's report and the specific policy language they relied on, and you can ask for a reinspection. Where the disagreement is about scope rather than cause, a detailed contractor estimate with photographs often moves it. Where the denial is because the damage genuinely is wear, we will tell you it is not worth pursuing.
Free same day inspections available for storm damage. We document everything and work directly with your insurer.
📞 (516) 713-9199 📞 (917) 570-7311 📋 Free Assessment Form