Insurance Claims in Indianapolis, IN

We've worked claims with every major carrier serving Indiana — State Farm, Allstate, Farm Bureau, American Family, USAA, Travelers, Liberty Mutual, Erie, and dozens of regional carriers. We know what each adjuster needs to see, in what format, and how to push back when a denial doesn't match what's on the roof.

The biggest mistake homeowners make is filing the claim before getting an independent inspection. Once a claim is on file the carrier owns the narrative, and a denied claim can follow your insurance history for years. We inspect first, document with test squares and annotated photos consistent with HAAG methodology, and only recommend filing when there's real, demonstrable storm damage.

If a claim is approved at a number that won't actually cover Indiana-code replacement, we file supplements. Code upgrades, ice & water shield to current building code, drip edge, decking — the small line items that adjusters miss in initial scopes routinely add thousands to a settlement. We track every supplement through to payment.

We don't 'do the claim for you' — that's a contractor sales pitch that gets people in trouble with their carrier. We document the damage, meet your adjuster on site, and advocate for a fair, code-compliant scope. The claim is always yours; we just make sure the carrier sees what we see.