If you live in Rhode Island, you know the storm calendar. Winter brings nor’easters, summer can bring hail and sudden wind bursts, and late summer into fall brings hurricane watches. But for many homeowners in Cranston, Warwick, and North Providence, the most stressful part of storm damage is not the wind. It is the insurance paperwork that comes after.
At Mighty Dog Roofing of Rhode Island, we do things differently. We do not just send a crew and hope the claim works itself out. We built an in-house Insurance Support Team to help homeowners document damage, understand the scope of loss, and respond when an estimate is missing key items.
Here is why we made that investment, and why it can matter to your timeline and your out-of-pocket cost.
1) We speak “adjuster” so you do not have to
Insurance policies are written in a language that can feel impossible to decode. Terms like recoverable depreciation, ACV vs RCV, and ordinance and law coverage can be the difference between a properly funded roof and a surprise bill at the worst possible time.
Why it matters: Our team uses the same estimating framework many carriers rely on (including Xactimate pricing formats). Instead of saying, “The roof is damaged,” we provide photo evidence, measurements, and detailed line items that reflect what is required to complete a code-compliant repair in Rhode Island.
2) We find what they miss (the supplement process)
After a storm, adjusters may inspect multiple properties in a single day. Many inspections are quick, and some are performed from the ground. That is how important details get missed, including:
- Hail impacts that fracture the shingle mat but do not look dramatic from the driveway
- Lifted or damaged flashing that only leaks during wind-driven rain
- Starter, drip edge, and underlayment details that are required for a proper system
- Code-related items that may apply depending on the scope of work
Why it matters: If it is not in the scope, it is typically not in the payment. When we identify missing items, our in-house team can prepare a supplement package with photos and documentation so the carrier can review and, when appropriate, release additional funds. This helps prevent delays once the project starts.
3) A fair fight for Rhode Island homeowners (code matters)
Rhode Island has building code requirements that affect how a roof must be repaired or replaced. After major weather events, some national or out-of-area adjusters may write estimates that do not fully reflect local requirements or the real-world conditions of older Rhode Island homes.
Why it matters: A scope that does not reflect code and proper roofing system details can create problems later, including failed inspections, change orders, or a roof that does not perform in the next storm. Our team helps document what is needed for a compliant install so you are not stuck choosing between doing it right and paying out of pocket.
4) Zero stress, less paperwork, fewer dead ends
The last thing you want to do after a storm is spend hours on hold, repeating your story to a call center, or trying to interpret a scope of loss that does not match the roof you can see.
Why it matters: Once you choose Mighty Dog Roofing as your contractor, our team can help handle the back-and-forth: documentation, emails, supplement submissions, and clarification requests. You stay informed, but you are not forced to become an insurance expert overnight.
The Mighty promise
We are not public adjusters. We are your contractor and your advocate. We will tell you the truth if the damage is not enough to justify a claim. But if the damage is real, we will help you document it properly and stand with you through the process so your roof gets repaired the right way.
Think you have storm damage?
Do not rush to file a claim blindly. Start with a free, documented inspection.
- Storm Damage Repair - Drone Super Scan - Contact Us
Rhode Island Service Locations:
Ashaway, Barrington, Bradford, Bristol, Carolina, Central Falls, Charlestown, Chepachet, Clayville, Coventry, Cranston, Cumberland, East Greenwich, East Providence, Exeter, Forestdale, Foster, Glendale, Greene, Greenville, Harrisville,Hope,Hope Valley, Hopkinton, Jamestown, Johnston, Kenyon, Kingston, Lincoln, Little Compton, Manville, Mapleville, Middletown, Narragansett, Newport, North Kingstown, North Providence, North Scituate, North Smithfield, Oakland, Pascoag, Pawtucket, Portsmouth, Providence, Riverside, Rockville, Rumford, Saunderstown, Shannock, Scituate, Slatersville, Smithfield, Tiverton, Wakefield, Warren, Warwick, West Greenwich, West Kingston, West Warwick, Westerly, Wood River Junction, Woonsocket, Wyoming
FAQ
Should I call my insurance or a roofer first?
In most cases, it is smart to start with a local roofer inspection first. That way you can confirm whether there is enough storm damage to justify a claim and avoid filing a claim that results in no payment.
Does Mighty Dog Roofing handle insurance claims?
We cannot approve claims (only your carrier can), but our in-house team supports the process by documenting damage, reviewing the scope of loss, and submitting supplements when items are missing and can be supported with evidence.
What if my insurance estimate is lower than the roof cost?
This is common. Our team reviews the scope of loss to identify missing line items and documentation gaps, then submits a supplement request so the carrier can review and adjust the estimate when appropriate.