Storm Damage? We Handle the Insurance Process for You
ProKing Roofing specializes in insurance claims—from inspection to full roof replacement—ensuring you get the coverage you deserve.
Insurance Claim Specialists in Somerset, KY
After major storms—like the May 16, 2025 hail and tornado event—many homeowners are left with damage that insurance companies may initially overlook.
- ✔ Insurance claim specialists
- ✔ Drone & AI-assisted inspections
- ✔ Detailed documentation for adjusters
- ✔ We meet directly with your insurance company
Step 1: Free Inspection
We perform a detailed roof inspection using advanced methods to identify storm, wind, and hail damage.
Step 2: Damage Documentation
We document all damage with photos, measurements, and reports to support your insurance claim.
Step 3: Adjuster Meeting
We meet with your insurance adjuster onsite to ensure all damage is properly identified and included.
Step 4: Claim Approval
Your insurance company reviews the claim and provides a scope of work for repairs or replacement.
Step 5: Roof Replacement
Once approved, ProKing completes your roof replacement using high-quality materials and expert installation.
Understanding Your Roof Insurance Claim
We believe homeowners should understand how the claims process works before making decisions. Here are a few of the most important things to know.
What Is a Deductible?
Your deductible is the portion of the claim that is your responsibility as the homeowner. It is set by your insurance company and is paid by you toward the work. For example, if your roof replacement is $15,000 and your deductible is $1,000, the insurance company may pay $14,000 and you would pay $1,000. Deductibles cannot legally be waived.
What Is Depreciation?
Depreciation is the reduction in value based on age and condition. On some policies, depreciation is recoverable and may be paid back after repairs are completed. On others, it is non-recoverable, meaning that portion is not paid back.
ACV vs. RCV: What’s the Difference?
ACV (Actual Cash Value) policies account for depreciation, which usually means a smaller first payment.
RCV (Replacement Cost Value) policies typically pay the claim in stages, with recoverable depreciation released after the work is completed. Most homeowners have RCV policies, but the exact payment structure depends on the policy.
Why ProKing Needs Your Insurance Scope
- Ensure all damage is included
- Prevent billing surprises
- Request supplements when needed
- Help make sure you only owe what you are truly responsible for
Insurance Fraud Awareness
Homeowners should be cautious of misleading or illegal practices during the insurance claims process. ProKing Roofing is committed to transparency, accuracy, and ethical claim handling.
- ✔ Claiming pre-existing damage as new storm damage
- ✔ Faking or exaggerating damage
- ✔ Waiving or absorbing insurance deductibles
These practices can lead to fines, policy cancellation, or legal consequences. Our goal is to ensure your claim is handled properly, honestly, and in full compliance with insurance regulations.
Start Your Claim
Fill out the quick form below and our team will contact you to begin your inspection and claim process.
Homeowner Partnership Agreement
If you would like ProKing Roofing to assist you through the insurance claim process, please review the agreement below. This agreement outlines how we assist with documentation, communication, claim support, and contingent work authorization. It is designed to protect both the homeowner and ProKing with clear expectations.
Don’t Leave Money on the Table
Insurance companies don’t always catch everything. Our job is to make sure nothing gets missed so you receive the full coverage you’re entitled to.
No out-of-pocket costs beyond your deductible. No obligation inspections.