Servicing Berks, Bucks, Lehigh, Montgomery Counties & More License License:PA072883 License NJ License: 13VH11020800
Doylestown, PA home after a roof insurance claim replacement with brown architectural shingles

Roof Insurance Claim Contractor in Doylestown, PA

Storm damage inspections, adjuster meetings, and full roof restoration for homeowners in Doylestown, across Bucks County, and throughout 9 counties in Pennsylvania and New Jersey.

Licensed PA #PA072883 and NJ #13VH11020800 Owens Corning Preferred Contractor badge for RAM Roofing insurance restoration 30+ Years in Business Google reviews for RAM Roofing insurance restoration 4.9 ★★★★★ 200+ Reviews Financing Available 24/7 Emergency Service

When a storm rolls through Doylestown, the roof is usually the easy part. The claim is what wears people out. As a roof insurance claim contractor based right here in Doylestown, RAM Roofing & Exteriors inspects the damage, photographs and measures every affected area, meets your adjuster on the roof, and then does the repair or replacement once your claim is approved. One local team from the first inspection to the final invoice your insurance company needs to close the file.

Our office is at 52 E. Oakland Ave. in Doylestown Borough, and we've been in business for more than 30 years. The same crew handles storm claims across Bucks, Montgomery, Chester, Delaware, Berks, and Lehigh Counties in Pennsylvania, plus Hunterdon, Mercer, and Warren Counties in New Jersey. See every town we cover on our service areas page.

Large hailstone held over asphalt shingles during a hail damage insurance inspection in Doylestown, PA

Hail Damage Roof Repair in Doylestown and Bucks County

Hail damage is easy to miss from the driveway. A hailstone hits an asphalt shingle, knocks the protective granules loose, and leaves a soft spot or a crack in the mat underneath. From the street the roof still looks fine, but that spot is now open to sun and water and it will fail years ahead of the rest of the roof. We walk every slope, mark each impact, and check the soft metals too. Dented gutters, downspouts, vents, and flashing are some of the clearest evidence an adjuster can see.

Every hit gets photographed and logged by slope, so your claim shows exactly where the damage is and how far it spreads. If it is limited to a few areas, we handle the roof repair and match your existing shingles as closely as the market allows. If it covers most of the roof, we will show you that too. Hail usually hits the siding just as hard, which we explain in how much hail damage equates to siding replacement.

Insurance Claim Roof Replacement in Doylestown, PA

When storm damage covers most of a slope or the whole roof, patching it is not a real fix. Your adjuster decides what the policy covers. Our job is to make sure they see all of the damage. We walk the roof with them, point out the hits and creased shingles that are easy to overlook, and hand over our photos and measurements so the scope reflects the real condition of your roof.

Once a full replacement is approved, we handle the complete roof replacement: tear-off to the deck, new decking wherever the old wood is soft or rotted, ice and water barrier at the eaves and valleys, new underlayment, flashing, ventilation, and Owens Corning shingles. If we find hidden damage after tear-off, we photograph it and send it to your insurance company as a supplement before the roof gets closed up. Here is more on what roof decking is and why it can change the scope mid-project. At the end, your Owens Corning warranty is registered and the paperwork is in your hands.

Storm-damaged shingles and failing chimney flashing documented for a roof insurance claim in Doylestown, PA

Wind Damage Roof Repair After Pennsylvania Storms

Summer thunderstorms, nor'easters, and the leftovers of tropical storms all push hard wind through Central Bucks. A strong gust gets under a shingle, breaks the seal strip holding it down, and folds it back. Sometimes it drops back into place with a crease across it, so it looks normal from the yard, but it is no longer sealed and it will lift again in the next storm. Creased and unsealed shingles, missing ridge caps, and lifted flashing are the kind of wind damage an adjuster has to see up close.

We document it slope by slope, secure anything loose right away, and repair or replace what the claim covers before water reaches the decking, insulation, or ceilings. Fallen limbs are a claim of their own, and with all the mature trees around Doylestown Borough and the township, we see plenty of them. If a tree or branch came through your roof, call us first and we will get it covered.

Storm Damage Siding and Gutter Repair

The same storm that damages a roof usually leaves marks on the rest of the house. Hail cracks and punctures vinyl siding, especially on the side that faced the storm, and wind pulls panels loose at the seams. Gutters dent, pull away from the fascia, and stop draining the way they should. We check all of it on the same visit, so the documentation covers the whole exterior and not just the roof.

From there we handle storm damage siding repair or full replacement, plus gutter repair and replacement when it is part of the claim. Siding claims come with their own questions, especially about matching colors that have been discontinued, and we cover those in is siding covered by insurance.

How Our Roof Insurance Claim Process Works

Most homeowners only go through a roof claim once or twice. Here is exactly how it works with us, start to finish.

  1. Free storm damage inspection. We inspect the roof, siding, gutters, and attic and tell you honestly what we find and what the repair would cost, so you can decide whether filing makes sense. Learn more about our roof inspections.
  2. Photo and measurement report. You get dated photos of every impact, crease, and missing shingle, organized by slope, along with full roof measurements.
  3. You open the claim. You file with your insurance company and share our report. The claim stays yours from start to finish.
  4. Adjuster meeting. We meet your adjuster on the roof, show them the damage, and answer their questions about our estimate. We write our estimates in Xactimate, the same software most carriers use, so everyone is looking at the same line items.
  5. Scope review and supplements. When the insurance estimate comes back, we go over it with you line by line and compare it to the actual repair. If hidden damage turns up once the work starts, we document it and send it to your carrier.
  6. Restoration. We schedule the work, protect your landscaping, and complete the repair or replacement. Most roof replacements are finished in one to two days.
  7. Closeout. You get completion photos, a final invoice for your insurance company, and your Owens Corning warranty paperwork. If your carrier held back part of the payment until the work was done, that final invoice is what you send to release it.

24/7 Emergency Tarping and Storm Damage Assessment

Roof failures do not wait for business hours, and neither do we. Call or text (215) 315-7700 any time and we will come out to tarp the roof, secure what is loose, and stop the water. Before anything gets covered, we photograph it, so the evidence your adjuster needs is still on record. Your insurance company will want to see that you took steps to keep the damage from getting worse, so hold on to the receipt and ask your agent how to submit it. More on our emergency home repairs.

Did a storm just come through? The inspection is free and there is no obligation to file.

Get My Free Storm Damage Inspection
Landscaping and entry protected during an insurance claim roof replacement on a Bucks County, PA home Completed architectural shingle roof after an insurance claim replacement in Bucks County, PA New valleys and plumbing-vent flashing on a Bucks County roof restored through an insurance claim Finished insurance claim roof replacement on a ranch home in Lehigh County, PA

Why Homeowners Trust RAM Roofing & Exteriors With Their Roof Insurance Claim

An insurance claim means trusting a contractor with a lot of paperwork and a lot of money. Here is what you get with us.

Licensed PA Contractor (PA072883)

Fully licensed and insured for all residential roofing work in Pennsylvania, with NJ license 13VH11020800 on file for claims in Hunterdon, Mercer, and Warren Counties.

Owens Corning Preferred Contractor

Every replacement comes with full manufacturer warranty documentation, registered on your behalf and handed over at completion.

30+ Years in Business

We were here before the last big storm and we will be here for the next one. When you call about your roof five years from now, you reach the same local company.

4.9 Stars on Google (200+ Reviews)

A track record built on honest assessments and work that holds up for decades. You can read them on our testimonials page.

24/7 Emergency Service

Because roof failures do not follow business hours. We tarp and secure storm-damaged roofs day or night so the damage does not get worse while you wait on your claim.

Financing Available

Flexible financing options for qualified homeowners who want to move forward without delay, including help with your deductible or upgrades beyond what the claim covers.

Roof Insurance Claims Across 9 Counties in Pennsylvania and New Jersey

Doylestown is home base, and a lot of our claim work happens close to the office in Doylestown Township, Buckingham, Plumstead Township, New Britain Township, Chalfont, and Warrington. Storms do not stop at the county line, though, and neither does our crew. We handle roof insurance claims throughout these counties:

Pennsylvania

Bucks County, PA

Doylestown, Chalfont, New Hope, Solebury, Newtown, Warrington, Warminster, Langhorne, Levittown, Yardley, Richboro, Quakertown, Dublin, Plumstead Township, and New Britain Township.

Montgomery County, PA

Lansdale, Horsham, Willow Grove, Ambler, Blue Bell, Collegeville, Conshohocken, King of Prussia, Harleysville, Hatfield, Elkins Park, Cheltenham, Abington, Bridgeport, and Pottstown.

Chester County, PA

West Chester, Downingtown, Phoenixville, Chester Springs, and Devon.

Delaware County, PA

Media, Havertown, Haverford, and Wayne.

Berks County, PA

Boyertown and the surrounding communities.

Lehigh County, PA

Allentown, Bethlehem, and the wider Lehigh Valley.

New Jersey

Hunterdon County, NJ

Including Lambertville, Frenchtown, and the Delaware River communities.

Mercer County, NJ

Including Princeton, Pennington, Hopewell, and Ewing.

Warren County, NJ

Including Phillipsburg and the Route 78 corridor.

Not sure if you are in our area? Check the full list of service areas or just call. If you are in one of these nine counties, we will come out.

Schedule a Free Storm Damage Inspection in Doylestown, PA

Do not sit on storm damage. A small leak spreads into decking and insulation fast, and most insurance companies expect damage to be reported promptly. We will inspect your roof for free, give you a written report, and tell you straight what we see.

Book My Free Inspection
Roof insurance claim FAQs for homeowners in Doylestown, PA

Roof Insurance Claim FAQs for Doylestown Homeowners

Yes. We inspect your roof for free, document all of the storm damage with dated photos and measurements, meet your adjuster on site, and handle the repair or replacement once the claim is approved. You file the claim with your insurance company, and we give you the documentation to back it up.
Most homeowners call us first for the inspection. It is free, and it shows you whether there is real storm damage and what the repair would cost before you open a claim. If the roof is simply old or the damage is minor, we will tell you, so you can make the call on filing with real information in hand.
Yes, and we recommend it. After a big storm, adjusters often have several roofs to look at in a day. Having your contractor on the roof means every area of damage gets pointed out and photographed while the adjuster is standing there, and any questions about our estimate get answered on the spot.
That depends on your policy, so check it or ask your agent. Most insurance companies expect damage to be reported promptly, and some policies set a firm deadline after a storm. Waiting also makes it harder to connect the damage to a specific storm date, so get the inspection done soon after the weather clears.
No. Your deductible is your share of the claim. A contractor who offers to waive or absorb it is misrepresenting the cost of the job to your insurance company, which can be treated as insurance fraud and can put your claim at risk. If the deductible is a strain, ask us about our financing options.
No. In Pennsylvania and New Jersey, only a licensed public adjuster or an attorney can negotiate a claim on your behalf. What we do is inspect, document, provide a detailed written estimate, meet the adjuster, and answer their questions about the repair. The coverage decisions stay between you and your insurance company.
It comes down to how much of the roof is damaged, the age and condition of the shingles, and whether a repair can blend in with what is already there. Isolated damage usually gets a targeted repair. Widespread hail or wind damage across several slopes is where a full insurance claim roof replacement comes into the conversation. Your adjuster makes the coverage decision, and we make sure they see the full picture.
On many replacement cost policies, the insurance company pays the first check based on the depreciated value of your roof and holds back the rest until the work is finished. The details are in your policy. When we finish the job, we give you a final invoice and completion photos to send in, which is usually what the carrier needs to release the rest.
That depends on your policy, often under what is called Ordinance or Law coverage, so it is worth asking your agent. What we do is list any code-required items separately on our estimate, so they are clearly identified for your adjuster instead of getting buried in the total.
Usually to you, and often to your mortgage company as well if you have a mortgage. In that case the lender may need to endorse the check or release the money in stages. Call your lender early so it does not hold up the project.
Once it is safe, take photos of any damage you can see from the ground, like shingles in the yard, dented gutters, or new ceiling stains. If water is coming in, move your belongings and call us for emergency tarping. Do not climb on the roof. Then book an inspection so the damage gets documented while it is fresh.
Most of the timeline depends on your insurance company. The inspection happens quickly, and adjuster appointments depend on how busy the carrier is after a storm. Once the claim is approved and materials are ordered, most roof replacements are finished in one to two days.
Yes. Our office is in Doylestown, but we handle storm damage claims across Bucks, Montgomery, Chester, Delaware, Berks, and Lehigh Counties in Pennsylvania, and in Hunterdon, Mercer, and Warren Counties in New Jersey under our NJ license 13VH11020800.
Ask for their Pennsylvania Home Improvement Contractor number and look it up with the Attorney General's office. Ours is PA072883. Ask for proof of insurance, a local address, and reviews you can actually read. We have a 4.9 rating across 200+ Google reviews on our testimonials page.

Schedule Service or Call  (215) 315 - 7700

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