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Roof Insurance Claim Help for Long Island Homeowners

We inspect and document visible damage, prepare a written repair estimate, and can meet your insurer's representative to explain our proposed scope. Coverage and claim decisions remain between you and your insurance company.

How We Support Roof Damage Claims

  1. 1

    Visible Damage Inspection

    We safely inspect accessible roof areas and document visible storm or fire damage with notes and photographs.

  2. 2

    Written Repair Estimate

    We prepare a contractor's repair estimate describing the work and materials we propose for the roof.

  3. 3

    Insurer Site Meeting

    At your request, we can attend the insurer's site inspection, answer questions about visible roof damage, and explain our proposed repair scope.

  4. 4

    Scope Clarification

    If repair items need clarification, we provide supporting contractor documentation to you. You remain responsible for claim and coverage communications.

  5. 5

    Authorized Roof Work

    After you authorize the written proposal, we schedule and complete the agreed roof repair or replacement work.

Our contractor role: Cigna Roofing does not act as a public adjuster, file or negotiate insurance claims, or make coverage decisions. New York homeowners can review the distinction in theNew York Department of Financial Services contractor guidance.

Roof Damage We Inspect and Repair

Storm Damage

Wind, hail, heavy rain, and nor'easter damage to shingles, flashing, gutters, and more.

Fire Damage

Structural roof damage from house fires, including assessment, tarping, and full replacement.

Fallen Trees & Debris

Impact damage from trees or large debris during storms. Emergency tarping depends on current crew availability.

Water & Ice Damage

Ice dam damage, interior water damage from roof leaks, and freeze-thaw cycle deterioration.

Our Role at an Insurer Inspection

A roofing contractor and an insurance representative have different jobs. We can point out visible roof conditions, answer questions about our estimate, and explain the repair methods and materials in our proposed scope.

We do not advocate for a settlement amount or interpret your policy. Coverage, valuation, and claim decisions remain between you and your insurer or a licensed public adjuster you choose to hire.

Insurance Claim Mistakes to Avoid

  • Waiting too long to file — most policies have strict deadlines
  • Not documenting damage immediately with photos and video
  • Failing to obtain a written contractor repair estimate
  • Not comparing the insurer's scope with the proposed roof work
  • Hiring a contractor who asks for the full insurance check upfront
  • Making permanent repairs before the adjuster inspects
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