Sky Ridge Standard Excellence

Insurance Claims

Don't fight the adjusters alone. We bring the proof.

Status

Precision Sealed

Guarantee

Lifetime Warranty

Roof Pro

Skyridge Ricky's Pro Tip: The 1-800 Trap

"I see this all the time in the valley. A big windstorm hits, a neighbor loses a shingle, and everyone panics and calls their insurance company before even looking at the roof. Stop! As soon as you open a claim, it goes on your permanent record—even if the damage is only $50. Call me first. Let the crew find real proof so you don't waste your one "get out of jail free" card on a minor fix!"

Why Utah Adjusters Are Getting Tougher

I've been sitting on Utah roofs for forty years, and I can tell you that the game has changed. Insurance companies are using drones and satellite AI to look for any excuse to deny your claim. They love to call a hail hit "mechanical damage" or just "old age." It's frustrating!

If you live along the Wasatch Front, your roof takes a beating. We get those microbursts in the summer and heavy mountain snow in the winter. That stress makes shingles brittle. When a real hailstorm rolls through, a brittle roof doesn't just bounce—it bruises. Most adjusters won't see that bruise unless a pro roofer is standing there with a piece of chalk to point it out.

"I remember a job in West Jordan where the adjuster tried to tell a homeowner the wind damage was actually just 'shingle curl' from poor venting. I had to climb up there and show him the nail pull-through patterns to prove the wind had physically lifted the deck. We got the whole roof bought!"

The "Test Square" Secret

Most homeowners don't realize that adjusters only look at 100 square feet of your roof at a time. They call this a "Test Square."

The Hit Count

Depending on your carrier, they might need to see 6 to 10 hail hits in one square to approve a full replacement. We do the math before they even arrive.

Collateral Proof

We look at your gutters, your window screens, and your AC unit. If those are dented, it proves the hail was big enough to damage the shingles too. Adjusters can't ignore soft metal!

The Chalk Mark

We circle the damage with professional roofing chalk. It makes the hits jump out in the bright Utah sun so the adjuster's camera can actually see the evidence.

RCV vs. ACV: Check Your Policy NOW!

I've had to be the bearer of bad news way too often. A homeowner has a total loss, but they have an **ACV (Actual Cash Value)** policy. This means the insurance company subtracts "depreciation" for the age of the roof.

If your roof is 15 years old, they might only send you a check for 30% of the cost. You're stuck paying the other $10,000 out of your own pocket! You want an **RCV (Replacement Cost Value)** policy. That covers the full price of a new roof today, minus your deductible.

Ask Ricky to review your estimate →

Mascot Warning Label

"Insurance companies are currently dropping RCV coverage for older roofs in Utah without telling people. Call your agent and ask: 'Is my wind and hail coverage still RCV?' It could save you fifteen grand."

How the crew helps you win

Damage Audit

We document every shingle bruise and dented vent.

Claim Filing

We guide you on the exact words to use with the 1-800 line.

Adjuster Meeting

We climb the ladder with the adjuster to keep them honest.

Total Restoration

We build your new roof to exceed current Utah codes.

Think you have storm damage?

Let Skyridge Ricky and the crew take a look before you call your insurance. We'll give you the straight truth on whether it's a real claim.

Schedule Free Storm Audit See What We Inspect