Insurance Claims Are Our Specialty. Call Us Before You Call Your Carrier.
The Helping Company is a Reading, PA insurance restoration contractor that manages storm-damage roof claims from inspection to completed repair. Our HAAG-certified team documents the damage, meets your adjuster, and files supplements so your claim reflects the full scope. Serving Berks County and nine PA counties.
The insurance company has adjusters. You have us. Haven’t filed? Call us first. Already filed? Call us today. We document, scope, and follow up until every covered item is paid, and your deductible is your only out-of-pocket cost.
Three Places Homeowners Call Us From
Whichever one you are in, the next step is the same: a conversation with someone who works claims from your side of the table, every day.
Call us before you call your insurance company.
Your carrier builds its number from the first inspection. Let us inspect and document the damage first. We will tell you honestly whether a claim makes sense, and if it does, you file with the evidence already in hand.
Book the Free Inspection →Call us today, not after the adjuster visit.
We meet the adjuster on the roof, compare their scope to ours line by line in Xactimate, and submit supplements for anything missed. Persistent, scheduled follow-ups keep the file moving.
Call 610-234-2210 →A denial is a position, not a verdict.
We re-inspect, document what was missed, and help you request a reinspection with proof. If your claim was cut short, we find out why and what your policy actually owes.
Get a Second Look →You pay your deductible. Nothing else.
For work in the approved insurance scope, your deductible is your only out-of-pocket expense. Pennsylvania law prohibits contractors from waiving or absorbing it, and we never will. Anyone who offers to is putting your claim at risk. Everything else is settled between us and your carrier through documentation, not through your wallet.
It is the claims playbook the industry has run for decades, named in the book that exposed it: slow the claim down, deny what is not documented, and make you fight for the rest. Our counter is built for it. Thorough photo documentation before the adjuster arrives, an itemized Xactimate scope, and persistent, automated follow-ups until every covered dollar is paid.
How Claims Really Work →Filing an insurance claim after storm damage, water damage, or a fire shouldn't be a second disaster. But for most homeowners, that's exactly what it feels like. You're already dealing with damage to your home, and now you're expected to navigate a complicated claims process, interpret policy language, and negotiate with an adjuster whose job is to minimize the payout.
That's where The Helping Company is different from every other contractor in Southeastern PA.
With 20+ years of experience working insurance restoration claims, our owner Travis Frees has personally managed hundreds of property damage claims from first notice of loss through final supplement payment. We don't just fix your roof or dry your basement — we manage the entire insurance process so you get the coverage your policy entitles you to.
We work with all insurance carriers, we write our estimates in Xactimate (the same software your insurance company uses), and we know how to document damage in the language adjusters understand. When your claim gets shorted, we push back. When your claim gets denied unfairly, we help you fight it.
How Our Insurance Claims Process Works
Step 1: Free Property Inspection
We start with a thorough inspection of your property at no cost to you. For roofing and exterior damage, our HAAG Certified Inspectors identify hail impacts, wind damage, and other storm-related issues that many contractors (and even some adjusters) miss. For water and fire losses, our IICRC-certified team documents the full scope of damage including hidden moisture, structural concerns, and secondary damage.
Step 2: Claim Filing & Documentation
If we find legitimate damage, we help you file your claim with your insurance company. We provide comprehensive documentation including photos, measurements, damage diagrams, and a detailed Xactimate estimate. This documentation package is prepared to insurance industry standards — because that's the language adjusters speak.
Step 3: Adjuster Meeting & Negotiation
When your insurance company sends their adjuster, we meet them at your property. Having a knowledgeable contractor present during the inspection makes a significant difference in claim outcomes. We walk the adjuster through every item of damage, explain the required scope of repairs, and ensure nothing is overlooked. If their initial estimate falls short, we negotiate — professionally and persistently — until the numbers reflect the actual cost to properly repair your home.
Step 4: Repairs & Restoration
Once the claim is approved, our production team handles the repairs. Roofing (residential and commercial), siding, gutters, windows, water damage restoration, fire damage restoration, interior repairs — we do it all in-house. You don't need to find a separate contractor. We coordinate the entire project and keep you informed every step of the way.
Step 5: Supplements & Final Payment
Many insurance claims require supplemental payments for damage or repair needs that weren't captured in the initial estimate. Hidden damage, code upgrades, and material price increases are common examples. We handle all supplement submissions and follow up with your carrier until every dollar owed is collected. You shouldn't have to pay out of pocket for work your policy covers.
See more answers on our FAQ page → — HAAG & IICRC certifications explained, roof replacement timelines, and whether we meet with adjusters directly. Wondering how long the process itself takes? See our week-by-week roof claim timeline.
Emergency Storm, Water, or Fire Damage?
We provide emergency tarping, board-up, and water extraction to stop further damage while your claim gets started.
Types of Insurance Claims We Handle
- Roof damage from hail, wind, fallen trees, and severe storms
- Siding, gutter, and window damage from storm events
- Water damage from burst pipes, appliance failures, ice dams, and plumbing leaks
- Fire and smoke damage to residential and commercial properties
- Mold damage resulting from covered water losses
- Interior damage including drywall, flooring, ceilings, and personal property
What Makes Our Claims Process Different
20+ Years of Claims Experience
We're not salespeople who learned roofing — we're restoration professionals who understand insurance inside and out. Our owner holds an IICRC Master designation, the highest certification in the restoration industry.
We Speak the Insurance Company's Language
We prepare our estimates using the same Xactimate software your insurance company uses. This eliminates the back-and-forth that happens when contractors submit estimates in formats adjusters can't work with.
HAAG Certified Inspectors
Our inspectors hold HAAG Engineering certifications, recognized by insurance companies nationwide as the gold standard for storm damage assessment. When we say there's damage, our documentation backs it up.
One Company, Start to Finish
We don't hand you off to another company for repairs. We manage the entire project — from the first phone call to the final nail — so there's one point of contact and no gaps in communication.
We Don't Leave Money on the Table
We handle all supplement submissions and follow up persistently until you receive every dollar your policy covers. Many contractors don't bother with supplements — we consider it a core part of the job.
No Cost Unless There's a Claim
Our inspections are always free. If we don't find damage, we'll tell you. We'd rather earn your trust today and your business down the road than push a claim that doesn't exist.
Storm & Restoration Work
What If My Insurance Claim Was Denied?
Claim denials happen, but they're not always the final answer. Common reasons for denial include the adjuster missing damage during their inspection, the carrier attributing damage to wear and tear instead of a covered event, or policy exclusions that may not actually apply to your situation.
If your claim has been denied or underpaid, contact us for a second opinion. We'll re-inspect your property, review the denial letter, and determine if there's a basis to reopen or appeal the claim. In many cases, proper documentation and a knowledgeable advocate are all it takes to reverse a denial.
We are not public adjusters or attorneys — we're licensed contractors with deep insurance expertise. If your situation requires a public adjuster or legal counsel, we can point you in the right direction. See our full breakdown of what to do when a roof claim is denied or underpaid.
Free Storm Damage & Insurance Resources
- Insurance Claims Process guide (PDF)
- Hail Size vs. Typical Damage summary (PDF)
- Identifying Shingle Damage guide (PDF)
- Hail Damage to Asphalt Roof Shingles (PDF)
- GAF Technical Advisory Bulletin
Download any guide above, or call 610-234-2210 and we'll walk you through your specific situation.
Insurance Claims FAQs
Do I have to pay anything out of pocket?
Will filing a claim raise my insurance rates?
How long do I have to file a claim after a storm?
Can I choose my own contractor, or does my insurance company decide?
What is a supplement, and why might I need one?
Storm & Insurance Claim Help Near You
We handle storm-damage roof claims across Berks County, including Reading, Wyomissing, Muhlenberg Township, Exeter Township, and Sinking Spring. See our full service area.
Storm or hail damage? Read our guide to hail damage roof insurance claims in Pennsylvania — who pays, deductibles, supplements, and the filing deadline.
Think You Have Storm Damage? Had a Water or Fire Loss?
Call The Helping Company for a free inspection. We'll assess the damage, help you file your claim, and manage the entire process from start to finish — 20+ years of insurance claims experience.