Our Roofing Process From First Call to Final Touches

Reach out by phone or through our website, and we’ll schedule a time to inspect your property. One important note before we arrive: Please do not climb onto your roof yourself. Our team has the training and equipment to inspect it safely.

Our inspection typically takes about 15 minutes. We check your roof, gutters, fence, windows, and anything else that may have storm damage, and we take photos to document what we find. If your roof qualifies, we’ll go over the agreement to hire Stonewater right then, so there’s no need to schedule a separate visit. The contract protects you, makes sure everything is done the right way, and includes an initial estimate for the work.

We give you all the information you need to file a claim with your insurance company. From there, your insurance company will schedule a time for their adjuster to complete an inspection of their own.

This meeting determines whether insurance will help pay for your roof, and you’ll receive a written report from the adjuster. Generally, we’ll be present for this meeting. The adjuster works for your insurance company, but we work for you, and we can help you understand the report and make sure nothing gets missed.

Please note: We are a licensed roofing contractor, not a Public Insurance Adjuster. We do not negotiate, adjust, settle, or effect insurance settlements on your behalf. Any discussions with your insurer are limited solely to the scope and pricing of our roofing work, and you retain sole authority and responsibility for all decisions regarding your insurance claim.

The payment process happens in three parts, and this is the first. Your insurance company sends you an initial check, which you then pay to us. This check covers the replacement cost of your roof minus your depreciation and your deductible.

Choose your shingle color and style, along with any upgrades and warranty options. We bring samples to make the decision easy. At this stage, you’ll also pay your deductible, which is the portion of the project you cover yourself. Any upgrades or items not covered by insurance are paid alongside the deductible, and if you need flexibility, you can ask us about financing options. Once your materials are selected and ordered, we schedule your installation date, so you’ll know exactly when your project starts, and we’ll keep you updated leading up to installation day.

Materials arrive the business day before installation. For example, if your project is scheduled for a Monday, your materials arrive Friday. Deliveries are typically dropped in the driveway, so please make sure vehicles are moved beforehand, and let us know if there’s a specific spot where you would like the materials placed. A little preparation also goes a long way toward protecting your home and belongings. We provide every customer with a complete Homeowner’s Checklist covering what to do before, during, and after construction. You’ll find the full checklist further down this page, along with a printable version you can download and keep for your records.

Most homes are finished in a single day, though larger or more complex homes may take longer. Crews arrive around daybreak and will work until dark if needed. Here’s what to know:

• Crews will need access to water and electricity
• Our project manager oversees the crew and is always available if you need anything
• If you go outside, watch for nails, debris, and objects falling from the roof
• Before leaving, crews clean up your property and run a magnetic nail bar throughout the yard
• When the work is done, our project manager walks the property with you as a final check
• Feel free to ask questions along the way

Once the crew is gone, a few quick checks will help wrap things up:

• Keep an eye out for any nails that may have been overlooked
• Make sure all gates are closed before letting pets back outside
• Check furnace and hot water vents, since connections may have come loose
• Leave permits up until the city completes its final inspection, if applicable

After all work is done, your insurance company releases the final portion of your claim, often called recoverable depreciation. This final check completes the three-part payment process, and your project is officially done.