Is Your Commercial RoofInsurance-Ready?
Commercial roof coverage has changed. The owners in the best position after a storm are the ones who can show what their roof looked like before it.
Please note: IGR Roofing is a roofing contractor, not a public adjuster or attorney. This page is general information, not legal or insurance advice. Review your coverage with your insurance agent.
What Has Changed in Commercial Roof Coverage
Three things worth asking your agent about, in plain language.
Actual cash value on older roofs
Many commercial policies now value older roofs at actual cash value instead of replacement cost. In plain terms, depreciation for age and condition is subtracted before anything is paid.
Cosmetic hail exclusions
Some policies exclude cosmetic hail damage, meaning damage that changes how the roof looks but not how it performs, such as dents in metal panels.
Percentage deductibles
Wind and hail deductibles are often a percentage of the building's insured value rather than a flat amount, so the out-of-pocket share can be larger than owners expect.
Why Condition Records Matter
Insurers and roofing manufacturers both look for maintenance history and pre-loss condition. When a roof has no records, it is hard for anyone to say what was storm damage and what was already there.
A dated, photo-documented record from before the storm, and a log showing the roof was inspected and maintained, give you, your agent and your adjuster a clear starting point.
How IGR Roofing Helps
Baseline Condition Record
A dated, photo-documented record of your roof before storm season, kept on file and shared with you.
Warranty Compliance Log
Every inspection and repair logged and handed to you each year, showing how the roof has been maintained.
Documentation after storms
Dated photos and measurements of storm damage, compared against your baseline when one exists.
Meeting the adjuster
We can meet your adjuster on the roof and walk the documented damage together.
You own and file any claim with your insurer, and coverage decisions are made by your insurer under your policy.
Bring Your IGR Report to Renewal
At your next renewal, bring your latest IGR report to your insurance agent. It gives them a documented picture of the roof's condition and maintenance history to discuss with you.
What to do after hail hitsMaintenance Programs and Next Steps
Master Service Agreement
Free recurring inspection and reporting. You pay only for work you approve.
Learn MorePreventative Maintenance Agreement
Paid annual program with scheduled inspections and minor repairs. Not a blanket warranty.
Learn MoreAll Commercial Roofing
Our maintenance-first approach, roofing systems, service area and buyer resources.
Learn MoreBoth programs include first right of refusal on a future replacement.
Frequently Asked Questions
Start with a Free Roof Condition Report
Your first step toward insurance readiness: a dated, photo-documented report of where your roof stands today.
No obligation. You pay only for work you approve.
Veteran-owned. Local Tulsa office at 8508 E 46th St, Tulsa, OK 74145.
Tulsa (918) 260-9159Kansas City area (913) 777-1748
Ask us for our Oklahoma registration and insurance certificates.
