Storm damage turns a $15,000 roof replacement into a deductible-only expense. We handle the inspection, documentation, and claim filing — you just pick your shingles. Our 99.7% claim approval rate means your project moves forward with confidence.
99.7%
Claim Approval Rate
All 50 States
Licensed In
Deductible Only
Cost to You
Always Free
Inspection
Homeowners insurance is designed to protect you from sudden, accidental damage — not from aging out a roof. That distinction is what determines whether your claim gets approved or denied.
If a hailstorm, windstorm, tornado, or falling tree damages your roof, you almost certainly have a covered claim. The damage does not need to cause an immediate leak to qualify — granule loss, dented flashing, and cracked shingles are all legitimate storm-damage indicators that insurers accept.
The August 2025 hailstorm that moved through Bend, Redmond, La Pine, Terrebonne, Sisters, Prineville, and Madras left widespread roof damage across Central Oregon. Most homeowners insurance policies allow one year from the date of loss to file a claim.
That means the filing window closes in August 2026. If you have not had your roof inspected, do not wait — once the deadline passes, your insurer can legally deny any storm-related claim.
Call 541-337-5734 NowA full residential roof replacement in the United States typically costs between $8,000 and $20,000, with the national average around $12,000–$14,000 for a standard 2,000-square-foot home using architectural shingles. Larger homes, steep pitches, and premium materials push costs higher.
With Insurance (RCV Policy)
Your Deductible Only
Replacement Cost Value policies pay for a brand-new roof of like kind and quality. After your deductible ($1,000–$2,500 for most homeowners), your insurer covers the full balance.
With Insurance (ACV Policy)
Deductible + Depreciation
Actual Cash Value policies deduct depreciation from the payout. A 15-year-old roof may carry significant depreciation, leaving a gap between the ACV check and actual replacement cost. We help you understand your exposure before work begins.
Without Insurance
$8,000 – $20,000+
Out-of-pocket costs vary widely by region, material, and roof complexity. If your damage occurred in the past year, there is a strong chance insurance will cover it — even if you have not filed yet.
Not sure which policy type you have? Learn how we navigate the insurance claims process and review your Declaration Page with you at no charge.
From the moment you call us to the day your new roof is installed, we handle every detail. Most homeowners never need to call their insurer directly — we do that for you.
A certified inspector evaluates your entire roof — field, ridge, valleys, flashing, gutters, and soffits. We document every impact point with timestamped photographs.
We compile a professional damage report with weather data, impact measurements, and photographs that insurers accept without pushback.
Our claim specialists file your insurance claim with the correct damage codes and supporting evidence, giving your claim the best possible foundation.
We meet your insurance adjuster on-site and walk the roof together, ensuring every covered item is included in the scope of loss.
Our licensed installation crews complete your new roof — typically in one to three days — with full clean-up and a final walkthrough before we leave.
We work with all major shingle manufacturers so you can choose materials that match your home, your climate, and your insurance coverage. Central Oregon's hail exposure makes Class 4 impact-resistant shingles a particularly smart choice.
The most popular choice for homeowners replacing storm-damaged roofs. Multi-layer construction provides a natural shadow line and carries 30–50 year manufacturer warranties. Available from GAF, Owens Corning, CertainTeed, and others.
Tested to withstand 2-inch steel ball impacts without cracking, Class 4 shingles are ideal for hail-prone regions like Central Oregon. Many insurers offer a premium discount of 10–30% for homes with Class 4 roofing.
A premium option with a lifespan of 40–70 years. Standing seam panels interlock without exposed fasteners, creating a weather-tight surface that handles heavy snow loads and wide temperature swings — an ideal fit for the Central Oregon high desert.
A cost-effective entry-level option suitable for lower-pitch roofs and rental properties. 3-tab shingles carry 20–25 year warranties and are widely accepted by insurance adjusters as a standard replacement material.
A durable, low-maintenance option common on agricultural and rural properties across Central Oregon. Available in galvanized steel and Galvalume, with a wide range of rib profiles and colors.
Engineered polymer products that replicate the look of wood shake or slate without the weight or maintenance concerns. Many synthetic options carry Class 4 impact ratings, offering both aesthetics and durability.
Every roof we install comes with two independent layers of protection: the manufacturer warranty on the materials themselves, and our own workmanship warranty on the installation. Both are provided in writing before your project begins — no surprises.
Depending on the shingle line, manufacturer warranties range from 25 to 50 years and cover defects in materials including premature granule loss, cracking, and manufacturing flaws. Enhanced "system" warranties (e.g., GAF Golden Pledge, Owens Corning Platinum) are available when all roofing components come from the same manufacturer.
Our workmanship warranty covers installation quality — proper nailing patterns, flashing integration, underlayment placement, and ridge cap installation. If a leak develops due to an installation error, we come back and fix it. Details and term length are specified in your project contract.
Free Roof Pros holds active contractor licenses and carries general liability and workers' compensation insurance in every state we operate. Your homeowners insurance requires this — and we are always compliant.
"After the August hailstorm I was dreading the whole insurance process. Free Roof Pros handled everything from start to finish — inspection, claim, adjuster meeting. My new roof was on in two days. Couldn't have been smoother."
– James R., Bend, OR
"My adjuster initially only approved a partial repair. Free Roof Pros brought their own documentation and got the scope upgraded to a full replacement. I only paid my deductible."
– Maria S., Fort Worth, TX
"I had no idea my 12-year-old roof qualified for full replacement until Free Roof Pros did a free inspection after a windstorm. The whole project was approved in under two weeks."
– David K., Indianapolis, IN
Free Roof Pros is headquartered in Terrebonne, Oregon, making Central Oregon our home market. We are also actively serving homeowners in major metro markets across the country.
Questions about the insurance process, materials, or timeline? We have answers.
Have a question not listed here? See our full insurance claims guide or call us at 541-337-5734.
No cost, no obligation. Find out in 24 hours whether your roof qualifies for insurance-covered replacement. We serve Central Oregon and markets across the country.
Step 1 of 3. Get your claim started in 60 seconds!
Prefer to call? 541-337-5734 | Email: info@freeroofpros.com