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    Storm clouds over Northeast Ohio — roof insurance claim process
    Insurance Claim Guide

    Your Insurance Claim Roadmap

    We guide you through every step, so nothing gets missed. Here's what to expect at every stage.

    Owens Corning Platinum Preferred
    153 Google Reviews
    500+ Storm Inspections
    $0 Upfront Cost
    Your Claim Journey

    From Storm to Final Check

    From first call to final payment. Here's exactly what happens and when.

    1
    Step 1Day 1

    Free Inspection

    Our certified inspector evaluates your roof for storm damage, no cost, no obligation. We document every damaged item with drone and close-up photos. Before your adjuster ever arrives.

    2
    Step 2Day 1–3

    Claim Filed

    If damage is found, we provide a complete documentation packet to support your claim. You file it directly with your insurer. We arm you with everything you need.

    3
    Step 3Week 1–3

    Adjuster Meeting

    We meet your insurance adjuster on-site to ensure nothing is missed. This is the most important step. We're on the roof with your adjuster, pointing out every missed item. Nothing gets glossed over.

    Most homeowners pay only their deductible. On an approved claim, insurance typically pays the rest.

    4
    Step 4Week 2–6

    Approval & Scheduling

    Once approved, we schedule your build and order materials. Once your scope is approved, we lock in the build date and order your materials. Most jobs start within 2–3 weeks of approval.

    5
    Step 5Scheduled

    Build Day

    Professional installation. Most roofs completed in a single day. Most Northeast Ohio roofs are done in a single day. Our crew arrives by 7am and cleans up with a magnetic nail sweep before they leave.

    6
    Step 6Build +1 day

    Final Walkthrough

    We inspect the finished work with you and handle any punch-list items. Your PM walks the finished job with you. Any punch-list items are handled before we leave.

    7
    Step 7Post-build

    Final Payment

    We help you collect recoverable depreciation so you pay the minimum out of pocket. After the build, we submit the completion documentation to your carrier. They release the recoverable depreciation. Typically within 2–4 weeks.

    Our Documentation

    What We Document For You

    Your adjuster arrives prepared, because we do the groundwork first.

    Drone + Close-Up Photos

    Every damaged area documented from the air and at arm's length. Your carrier can't dispute what they can see.

    Written Scope Report

    A detailed line-item scope matching Xactimate standards. Same format your adjuster uses.

    Code Requirements

    We cite the Ohio Building Code requirements that may apply to your repair. Drip edge, ice dam protection, ventilation.

    How You Get Paid

    Understanding Your Payment

    Most homeowners only pay their deductible. Here's how it works.

    RCV (Replacement Cost Value)

    The full cost to replace your roof with like-kind materials. This is what your claim is ultimately worth.

    ACV (Actual Cash Value)

    RCV minus depreciation. This is your initial check from the insurance company.

    Your Deductible

    Your out-of-pocket responsibility. Typically $1,000–$2,500. This is the only amount you truly "pay."

    In most cases, your insurance covers everything except the deductible. We help you recover the depreciation after the job is complete.

    Common Questions

    Recoverable Depreciation FAQ

    Common questions about getting your full insurance payout

    Reviews

    What our customers say.

    4.9Rated 4.9 out of 5 stars153 Google reviews
    WMNFCW Verified on Google

    WHO IN THE WORLD DOES THAT? Cornerstone roofing does.

    Showed up exactly when they said they would (6:15 am) sorry to my neighbors. They were done by 2:15 Pm.YES that same day! … they had a guy cleaning up as the crew was working. not one nail or plastic left behind.

    Same-Day InstallStorm Damage
    WMWilliam MorrisonAugust 2025
    Rated 5 out of 5 stars

    Seeing them work was like watching a well-oiled machine!

    Their no-risk inspection revealed multiple pieces of wind damage to my shingles. From start-to-finish, the process was smooth, detailed and professional. The team who removed my shingles and installed the metal was amazing!

    Metal RoofingStorm Damage
    NFNancy FranckNovember 2025
    Rated 5 out of 5 stars

    Comments from friends and family say it looks like a new house.

    Cornerstone roofing did an absolutely amazing job on our home’s complete exterior transformation (roof, gutters, siding). … We are so pleased, and highly recommend them to anyone in need of an excellent, reliable company.

    Full ExteriorSiding
    CWConnie WhartonDecember 2025
    Rated 5 out of 5 stars

    More from your neighbors

    Verified reviews from across Northeast Ohio
    Rated 5 out of 5 stars

    "Cornerstone was exceptional from start to finish of our roofing project. They were courteous and walked us through what would have been a very overwhelming project with so much patience and professionalism. I highly recommend."

    RA
    Rachel AllisonSeptember 2026
    Rated 5 out of 5 stars

    "Exceptional experience from beginning to end. This is a very professional company with an excellent crew. From the timely initial contact until the job was complete, there was personal communication throughout. The final product was great. I highly recommend this company."

    LF
    Linda FoxJune 2026
    Rated 5 out of 5 stars

    "Nate and Carmen took care of my roof! I didn't even know I had damage until they came out! Extremely grateful."

    B
    BenMay 2026
    Rated 5 out of 5 stars

    "Great service and customer support. From start to finish"

    MJ
    mark jonasMay 2026
    Rated 5 out of 5 stars

    "I’m super happy with our siding and gutter installation . I will definitely recommend!"

    LM
    Lisa MurphyApril 2026
    Rated 5 out of 5 stars

    "Highly Recommend! We are very happy with our new roof and gutters from Cornerstone Roofing and Siding. They made the process so simple, and we are so grateful for all of their help. Thanks again Camen, Jake, and crew!"

    GM
    Gabrielle McClureApril 2026
    Rated 5 out of 5 stars

    "Top quality work and communication. Project completed as agreed. Nate was the best for follow-up and communication. Highly recommend with no reservations."

    JC
    John CremerMarch 2026
    Rated 5 out of 5 stars

    "They communicate exceptionally well, and were so easy to work with. On the day that the crew came out, they were fast, efficient, and did a good job. They were very organized, and they cleaned everything perfectly. I didn't find any debris afterwards."

    SK
    Steve KlineMarch 2026
    Rated 5 out of 5 stars

    "What a great experience working with Cornerstone. The overall process was easy and great communication through the entire process. The job turned out great. I would highly recommend this company!"

    ME
    Mark EiselMarch 2026
    Rated 5 out of 5 stars

    "Camen was responsive and guided us every step of the way, he made the process simple and straight forward. I grade based on how companies respond to hiccups and serve their customers. When we had a concern after install, Camen addressed it immediately and more than made up for it. I would highly recommend Cornerstone Roofing!"

    CH
    Corey HochstetlerFebruary 2026
    Rated 5 out of 5 stars

    "They are an honest friendly company and recommend them."

    BM
    Breauna MastroFebruary 2026
    Rated 5 out of 5 stars

    "The whole team at Cornerstone was great. In one day they finished the entire roof. Cleaned up. We were ready to have our guests for Thanksgiving!"

    JP
    Jonah PlantFebruary 2026
    1 / 4
    Read all 153 Google reviewsNo incentivized reviews. Just neighbors who'd hire us again.
    4.9 from 153 Google reviews

    Have Questions About Your Claim?

    Every insurance claim is different. Call us for a free consultation about your specific situation.

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