Signs you need a crew now
- Missing shingles, or daylight visible in the attic
- A broken window, door, or hole the rain can reach
- Water running down interior walls or pooling in the attic
- A tree or limb on the roof - stay out of that room
What happens when you call
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Tell us what happened. 30 seconds - what's open to the sky and what's wet.
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You're connected with a local restoration crew while you're on the line.
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The crew confirms timing and your arrival time - tarping and board-up come first.
Why this one can't wait
An opening in the roof turns every following shower into a new loss - and your policy expects "reasonable mitigation," which means tarping and boarding fast, not waiting for the adjuster.
The crew secures the openings, photographs everything for the claim, extracts what already got in, and dries the structure before mold takes the storm's side.
Local to Mecklenburg County
Charlotte catches hurricanes after landfall - tropical remnants dump inland rain that flash-floods creeks and finds every roof weakness. The metro's red clay drains slowly and holds moisture against crawl spaces, where Carolina humidity keeps mold fed year-round, and the fast-built growth stock adds new slab and attic plumbing to the risk list every year.
North Carolina policies cover storm openings and sudden failures; some carry separate wind/hail or named-storm deductibles even inland, worth checking before hurricane season. Rising water - creek, street, or storm surge remnant - is flood insurance only.
Serving Charlotte, Concord, Gastonia, Huntersville, Matthews, Rock Hill, and all of Mecklenburg County.
Storm damage questions
Is storm damage covered by insurance?
Wind and hail damage - including the rain that enters through it - is standard homeowner's coverage. Rising water from outside is flood insurance, a separate policy. See the coverage guide.
Should I wait for the adjuster before touching anything?
Generally, no. Most policies require reasonable steps to prevent further damage. Photograph everything first, then, once it's safe, tarp and start drying. Keep receipts and records of what was done before the adjuster's visit.
Can I tarp the roof myself?
Not in the wet or the dark, and not after a storm has loosened things underfoot. Crews carry the gear and the fall protection - it's included in the mitigation the policy pays for.
Hurricane remnants flooded the crawl space - covered?
Rising outside water in a crawl space typically falls under flood insurance, not a homeowner's policy. Rain that came in through storm damage above is typically a homeowner's claim. Mold that follows can be treated differently. Review your policy, including endorsements. Document the water's path.