Roofing Storm, Insurance and Retail Leads

Two kinds of roofing work

	Storm restoration (insurance)	Retail
Why the homeowner calls	Hail or wind damaged the roof	Old roof, leaks, selling the home, insurance company asked for a new roof
Who pays	Insurance pays for covered damage minus the deductible. Homeowner pays deductible and any upgrades	Homeowner, often with financing
How fast	Leads spike 1 to 10 days after a storm	Steady all year, slower in winter in cold states
Sales visit	Free inspection with photos; if damage, homeowner may file a claim	Free inspection and itemized estimate
Your main risk	Saying anything about coverage or deductibles	Booking without all decision-makers

Part 1: Storm and insurance leads

The claim process in simple words

You need to understand this process so you can schedule and track it. You do not explain insurance to homeowners. When they ask insurance questions, you send them to their insurance agent or company.

1. Storm. Hail or strong wind hits the area. The client learns the date and the affected ZIP codes (the storm footprint).
2. Inspection. The roofing company's rep inspects the roof for free and takes photos. If there is no real damage, a good company says so.
3. Homeowner decides. If there is damage, the homeowner decides whether to file a claim with their insurance company. The homeowner files it, not us.
4. Adjuster visit. The insurance company sends an adjuster to inspect. The homeowner may ask the roofing rep to be there too. You may schedule this meeting.
5. Scope of loss. The insurer sends a written list of what it will pay for and how much.
6. Supplements. If the insurer missed items (for example damaged decking found during tear-off, or code-required parts), the roofing company sends a supplement request with proof.
7. Build. The crew replaces or repairs the roof.
8. Final paperwork. The company sends completion documents. If the policy pays in two parts, the second payment is released.

Money words (understand them, do not explain them)

• Deductible: the part the homeowner pays on each claim. It can be a flat amount (for example 1,000 USD) or, in many hail-prone states, a percentage of the home's insured value (often 1 to 2 percent). On a home insured for 400,000 USD, a 2 percent deductible is 8,000 USD.
• ACV (actual cash value) policy: pays the value of the old roof after wear and age are taken off. The amount taken off is not paid back.
• RCV (replacement cost value) policy: pays the ACV amount first, then pays the rest (the recoverable depreciation) after the work is completed and documented.
• Example (RCV): roof replacement 20,000 USD. Depreciation 8,000. Deductible 2,000. The first payment is 10,000 (20,000 minus 8,000 minus 2,000). After completion, the insurer releases the 8,000. The homeowner pays the 2,000 deductible.
• Upgrades (for example a better shingle than the old one) are the homeowner's cost unless the insurer agrees otherwise.
• Mortgage company: insurance checks are often made out to both the homeowner and their mortgage company. This can add time. The rep or office handles it.

Deductible law: the hard line

Many US states (at least 28) make it illegal for a contractor to waive, pay, rebate or absorb a homeowner's insurance deductible, or to offer gifts or rewards for an inspection or a claim. Some examples:

• Texas bans waiving, absorbing or rebating any part of a deductible, with fines and possible jail time.
• Colorado bans paying, waiving or rebating a deductible, and gives homeowners a right to cancel a roofing contract within a set number of hours after signing and after a claim is denied.
• Florida bans gifts, cash or deductible waivers for allowing an inspection or filing a claim, bans interpreting policies unless you are a licensed public adjuster, and holds the contractor responsible for anyone soliciting on its behalf.

Rules change and differ by state. Narqix does not rely on state differences. Our rule is the same in all 50 states.

The deductible line (say it on every storm appointment)

You: Just so you know upfront, if you do decide to file a claim, your deductible is your responsibility under your policy. We aren't able to waive or cover it. What we can do is make sure your inspection is documented clearly.

Then note in the record: "Deductible responsibility explained: yes."

Storm qualification checklist

1. Owner? "Are you the homeowner?" Who else is on the title or involved in decisions?
2. Address and footprint. Confirm the address. Is it inside the area the client is working for this storm?
3. Storm date. "Do you remember when the storm hit your home?" Use only the dates the client has confirmed.
4. Signs of damage. Missing or creased shingles, ceiling stains, dented gutters, vents or downspouts, damaged screens or siding, dented cars, neighbours getting roofs.
5. Active leak? If water is coming in now, route an emergency tarp request per client policy.
6. Roof age and type. Shingle, metal, tile, flat. Approximate age.
7. Claim status. Already filed? Has an adjuster or another contractor been out? Claim number if they have one.
8. Insurance company name. Only to schedule and track, never to give advice.
9. Availability. Can the decision-makers be there for the inspection or the review of photos afterwards?

Storm objections

"Will this raise my insurance rates?"

You: That's a great question for your insurance agent, since every policy is different. The inspection itself doesn't file anything. It just shows you whether there's damage worth discussing.

"Are you one of those storm chasers?"

You: Fair question, and I'm glad you asked. (COMPANY NAME) is based in (CITY), licensed in (STATE), and has been working here for (YEARS) years. I can text you our license number and our reviews right now so you can check us out.

"Someone already looked at it."

You: That's good. Did they give you photos of what they found? If not, a second look is free, and you'll get photos either way.

"Can you cover my deductible?" or "Other roofers said they'd work with me on the deductible."

You: No, we can't. Covering or waiving a deductible is illegal in many states, and we don't do it anywhere. What you'll get from us is an honest inspection and a clear, itemized estimate.

Note it in the record. If they say another contractor offered, note that too and tell the client office.

After the inspection (if your client assigns tracking)

• If the homeowner files, record the claim number, insurance company and adjuster contact.
• Schedule the adjuster meeting and confirm the rep will attend.
• Create tasks for scope received, supplement sent, supplement approved, build date, completion documents sent and depreciation released.
• Note every contact with the homeowner. Never contact the insurer yourself unless the client has a legal process and authority for it.

Part 2: Retail roofing leads

Retail qualification checklist

1. Owner and decision-makers. Can everyone involved sit down together for 60 to 90 minutes?
2. Why now? Age, leaks, curling or missing shingles, granules in gutters, selling the home, insurance non-renewal letter.
3. Timeline. Emergency, this season, or planning for next year?
4. Other bids. Have they had other quotes?
5. Financing interest. Only whether they want to hear about options. No rates.
6. HOA. Is there a homeowners association with rules on roof colour or material?
7. Material preferences. Shingle, metal, other.

Who to skip (per client rules): renters (unless the owner joins), roofs replaced very recently, addresses outside the service area.

The decision-maker line

You: So we can have the right person come out, is anyone else involved in the decision, like a spouse or co-owner? It works best when everyone can see the options at the same time, so nobody has to repeat anything.

Retail objections

"Just give me a ballpark price."

You: I wish I could, but roofs vary a lot with size, steepness, layers and materials, so any number I gave you now would be a guess. The inspection is free, and you'll get a written, itemized price.

"I need to talk to my wife first."

You: Of course. That's exactly why I'd love to find a time when you're both home, so you only have to do this once. What evening works best for both of you?

"We're not ready yet."

You: No problem at all. When do you think you'll start looking seriously? (Then:) Would it be okay if I reached out around then?

Set a nurture date with permission and log it.

Notes for every roofing lead

Check yourself

1. In your own words, list the eight steps of a storm claim.
2. A home is insured for 300,000 USD with a 1 percent deductible. What is the deductible?
3. What is recoverable depreciation, and when is it paid?
4. Why does Narqix use one deductible rule for every state?
5. Name three retail qualification questions.

Answers

1. Storm, inspection, homeowner decides and files, adjuster visit, scope of loss, supplements, build, final paperwork and second payment.
2. 3,000 USD.
3. The amount held back for wear and age on an RCV policy. It is paid after the work is completed and documented.
4. Because laws differ and change, many states ban deductible help outright, and one simple rule is safest for everyone: never offer it anywhere.
5. Any three of: owner and decision-makers, why now, timeline, other bids, financing interest, HOA rules, material preferences.

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