Homeowner Insurance and Repair Protection

Homeowner Insurance & Repair Protection Review
Independent guidance so you don’t get short-changed by insurance or contractors.
Before you sign anything, repair anything, or accept a settlement — have someone independent explain what you’re really entitled to.

Why Homeowners Use This Service
Most homeowners only file one or two insurance claims in their lifetime.
Insurance policies are written for professionals. Building codes aren’t explained to homeowners. Contractor estimates often leave out required items — sometimes unintentionally, sometimes not.
This service exists so you’re not trying to figure all that out alone.
We explain everything in everyday language — no insurance jargon.

Local. Licensed. Trusted.
We are a locally owned Greenwood-based roofing company, fully licensed, insured, and bonded in South Carolina.
We overturn underpaid claims every year by identifying missing code items, overlooked coverages, and incomplete repair scopes.
This consulting service exists because homeowners kept asking for help — even when they weren’t ready to hire a roofer yet.
You are never required to use us for repairs.
If you do choose our company after your review, we offer a discount toward your project as a thank-you.

What to Expect
• Most Protection Reviews take 60–90 minutes
• Conducted in person or virtually
• Includes a written report delivered within 3 business days
• Clear next steps you can take immediately

Common Questions We Hear
“Is this expensive?” Compared to missing thousands in repairs or accepting an incomplete settlement, most homeowners see this as a small upfront step to protect a much larger investment.
“Do other people really do this?” Yes — many homeowners hire attorneys or public adjusters after problems arise. This service is designed to help before things go sideways.
“Why haven’t I heard of this before?” Most companies only step in after disputes escalate. We focus on prevention — understanding coverage, spotting problems early, and giving you clarity before mistakes become permanent.
“Am I going to be pressured into upgrades?” No. Everything is optional, priced clearly up front, and chosen by you — not pushed.
“What if I add everything?” Most homeowners only need the base Protection Review or the Contractor Package — not every upgrade.
“Can my insurance reimburse these fees?” In many cases, reasonable out-of-pocket expenses tied to investigating a covered claim can be recoverable under policy provisions, depending on your policy language. We help you identify those provisions and how to submit them properly.

Homeowner Protection Review — $600 Flat Rate
A single, transparent price for a full consultation and written action plan.
Every Review Includes:
• Insurance policy walkthrough
• Coverage explanation (RCV vs ACV, endorsements, Ordinance & Law)
• Explanation of what repairs must legally include
• Code requirements that apply to your home
• Review of contractor estimates or proposals
• Red flags identified
• Recovery opportunities checklist
• Claim pathway outline
• Written summary of findings
• Talking points for insurance communication
• Next-step action plan

Contractor Package — Inspection & Insurance-Grade Estimate
For homeowners who want full documentation to take back to their insurance company or contractor.
Includes:
• On-site roof and exterior inspection
• Photo documentation
• Measurement report
• Code-required items identified
• Professional estimate prepared using industry-standard insurance estimating software (Xactimate)
• Missing scope flagged
• Ordinance & Law triggers noted
• Repair vs replacement analysis
Price: $350 when added to a Protection Review

Real-World Example
A Greenwood homeowner received a $14,800 settlement for storm damage.
After a Protection Review and Contractor Package:
• Missing code items were identified
• Ordinance & Law coverage was overlooked
• The contractor’s estimate left out required work
Final approved scope increased by over $9,000.

Upgrade Options (Only If You Want Them)
No automatic add-ons. No pressure. No stacking surprises.

🔵 Communication Help — $150
• Custom emails
• Claim follow-ups
• Plain-English explanations

🟡 Contractor & Code Verification — $250
• License checks
• BBB & Secretary of State searches
• Code-by-code breakdown
• Estimate comparisons

🔴 Full Claim Support Package — $400
Includes everything above, plus:
• Deep policy interpretation
• Ordinance & Law triggers
• Repair vs replacement guidance
• Claim pathway roadmap
• Settlement review support

Our Promise
If we don’t identify meaningful issues or recovery opportunities, 50% of your consultation fee is credited toward future services or inspections.

What This Is — And Is Not
We are not public adjusters. We are not attorneys. We do not negotiate claims.
We provide education, analysis, and homeowner guidance, so you stay in control.

Schedule Your Protection Review
Clear answers. No pressure. No hidden upsells.
Protect your home before costly mistakes happen.