Commercial Storm & Insurance
Hail, wind, and flood damage to commercial roofs and exteriors. We document, file, fight for full coverage, and rebuild β so you can focus on running your business.
*When insurance covers the claim. You only pay your deductible.
Types of Storm Damage
Commercial roofs and exteriors are especially vulnerable β larger surface area means more exposure, and flat roofs don't shed hail and debris the way pitched roofs do.
Hail dents, cracks, and punctures TPO, BUR, and metal roofing. Even "cosmetic" damage compromises the membrane's waterproofing layer, leading to leaks months later.
High winds lift membrane seams, peel back flashing, and tear off edge metal. Commercial flat roofs are particularly vulnerable at edges and corners where wind uplift is strongest.
Clogged drains, damaged membranes, and overwhelmed gutters cause ponding water on flat roofs. Persistent ponding accelerates membrane deterioration and leads to interior leaks.
Our Claims Process
Insurance companies have teams of adjusters and engineers working to minimize payouts. You deserve someone on your side who knows commercial roofing systems, knows how to document damage properly, and knows how to negotiate.
That's us. We've handled 500+ insurance claims and our 98% approval rate speaks for itself.
We respond within 24 hours. If there's an active leak, we deploy temporary repairs immediately to stop further damage.
Timestamped photos, drone footage, moisture scans, and a detailed damage report. This is the evidence that gets claims approved at full value.
We file the claim, meet the adjuster on-site, walk the roof with them, and negotiate to ensure nothing is missed. We know what adjusters look for β and what they overlook.
Once the claim is approved, we handle the entire project β tear-off, installation, cleanup, final inspection. Same crew, same quality, same warranty.
Why Choose Us
Drone footage, timestamped photos, infrared moisture scans, and detailed damage reports. Insurance companies can't deny what's clearly documented.
We meet every adjuster on the roof and walk them through every item. Most contractors leave this to the property owner β we don't.
If the initial payout is low, we file supplements with additional documentation. We've recovered thousands in additional coverage for property owners who were initially underpaid.
Active leak? We deploy emergency tarps and temporary repairs within 24 hours to stop further damage while the claim processes.
Top 1% of roofers nationally. Our GAF certification gives insurance companies confidence in the quality of repairs and replacement.
Every storm repair and replacement comes with our 20-year workmanship warranty plus manufacturer warranties. Full protection.
What's Typically Covered
Most property owners don't realize how much storm damage is covered by their commercial property insurance. Here's what we typically get approved:
Reviews
"After a major hail storm hit our warehouse, Divided Sky was on-site the next morning. They documented everything, handled the entire insurance claim, and had the new roof installed within two weeks. Zero out of pocket beyond our deductible."
"Our insurance company initially denied our claim. Divided Sky filed a supplement with additional documentation and got it overturned. They recovered the full cost of a new TPO roof for our office building."
"Managing storm damage across 6 retail properties was overwhelming. John's team handled every claim individually, coordinated with three different insurance companies, and got all six buildings repaired. Incredible service."
FAQ
Within 24 hours for assessment. If you have an active leak, we can deploy emergency tarps and temporary repairs the same day. Call us directly for emergencies.
When insurance covers the claim, you only pay your deductible. We work directly with your insurance company so there are no surprise costs. We provide a transparent proposal before any work begins.
We file supplements with additional documentation β drone footage, infrared scans, manufacturer specs β to support the claim. We've overturned many initial denials. If the damage is legitimate, we fight for full coverage.
Don't wait. Most commercial policies have a window for filing storm claims (typically 1-2 years, but some are shorter). Get a free inspection first β we'll tell you honestly whether there's enough damage to warrant a claim. No pressure, no obligation.
Absolutely. We regularly handle multi-property claims for property management companies. Each property gets its own documentation and claim, but we coordinate the entire portfolio to streamline the process.
Yes. We work with every major insurance carrier β State Farm, Allstate, USAA, Liberty Mutual, Travelers, Hartford, and more. Our documentation process meets every carrier's requirements.
Free damage assessment. No obligation. We'll inspect your building, document the damage, and tell you honestly whether it's worth filing a claim.