About RoofClaim HQ
RoofClaim HQ exists to help homeowners understand the roof damage insurance claims process — from spotting hail and wind damage to filing a claim, working with adjusters, and appealing a denial — in plain English, without a sales pitch attached.
Roof damage claims involve real money and real deadlines, and the process is confusing by design: policy language is dense, adjusters and contractors sometimes disagree, and homeowners are often making decisions for the first time under time pressure. Our guides are written to close that information gap before you pick up the phone, not after.
Why this site exists
This site was born from Tim Dunbar's own denied hail claim: three licensed roofing contractors documented significant hail damage, the insurer's inspections found "absolutely none," and the denial survived every escalation step — including a state insurance department complaint. The full, dated story is published as a case study, and the lessons from it run through every guide on this site.
Who writes this site
Everything published here is written by Tim Dunbar, founder of RoofClaim HQ.
In March 2023, a hail storm crossed Tim Dunbar's neighborhood in North Alabama. Three licensed roofing contractors inspected the roof and documented significant damage. His carrier, Allstate, inspected twice, found "absolutely none," and denied the claim — then upheld that denial after he filed a complaint with the Alabama Department of Insurance. He kept every report, photo, letter, and date along the way, and published the whole timeline as a case study, including the parts where he got it wrong.
What that does and doesn't qualify him for is worth being direct about. Tim Dunbaris not a licensed adjuster, a roofing contractor, or an attorney, and nothing here is a substitute for one. What he has is a claim he lost, documented in detail, and the research he did while losing it — including the parts of the process nobody explains until you are already in it. That is the perspective these guides are written from, and it is why they tell you what a denial actually looks like from the homeowner's side rather than what the process is supposed to look like on paper.
Corrections are welcome and get made: hello@roofclaimhq.com.
How we're funded
One way, and we'd rather be blunt about it than tasteful: the estimate request on our find a roofer page is operated by a roofing lead network. What you enter — your name, phone, email, and property address — goes straight to that network and the contractors and partner companies it works with, and they pay us a referral fee for sending you. Under California and similar state privacy laws, that is a sale or sharing of your personal information, and our privacy policy spells out what that means for you.
We should be equally blunt about the limits of that arrangement, because it is not all in your favor: we never see what you submit. That means we cannot look up your request, correct it, stop it, or delete it. If you want it undone, it has to go to the network and the contractors directly — the companies that receive your details are named inside the form, above its submit button, and it is worth reading that list before you submit rather than after.
That referral is currently our onlysource of revenue, and there are two different things people mean by "affiliate," so we'll separate them.
Lead buyers. Contractors can buy a referral directly, or through a lead network that resells it to one. We have signed an agreement with one such network. As of August 2026 we have not sent it a single lead and it has not paid us anything, but that is the direction this is going, and we would rather tell you now than after the fact. Whoever your information actually goes to is named on the form itself, above the submit button, before you agree to anything — which is the only place that disclosure does you any good.
Commission links. We have none. No link on this site pays us when you click it, and we earn nothing from the companies listed on our insurance comparison page — those are editorial picks, as our affiliate disclosure explains. If that changes, the card labels, that page, and this one all change on the same day.
What being funded this way does not buy: influence over the guides. We don't soften what we say about contractors because contractors pay us, and the advice here is the same advice we'd give if the form didn't exist.
What we are not
RoofClaim HQ is not a law firm, insurance company, or public adjusting firm, and is not affiliated with any insurance carrier. Nothing on this site is legal, insurance, or public adjusting advice — every policy and claim is different, and you should confirm specifics with your insurance professional, a licensed public adjuster, or an attorney before making decisions.
Who operates this site
RoofClaim HQ is owned and operated by Empowered Expeditions, LLC, a limited liability company organized in Alabama. RoofClaim HQ is the brand name we publish under; Empowered Expeditions, LLCis the legal entity behind it, and it is the name you'll see on our privacy policy, terms, and any business or partnership paperwork.
Contact
General questions and corrections: hello@roofclaimhq.com
Privacy requests: privacy@roofclaimhq.com
Phone: (586) 855-2918
See our contact page for more ways to reach us.