Storm damage, roof leaks, or siding failure can create unexpected costs for homeowners. At First State Roofing & Exteriors, a leading roofing contractor, we help residents manage these challenges with insurance claim support and flexible financing options that make home restoration stress-free and affordable.
Whether you’re dealing with hail damage, a wind-blown roof, or a full replacement, our team provides expert guidance to help you get the coverage and payment support you need.
Why Choose First State Roofing & Exteriors
Local Expertise
We understand the unique challenges of Milford’s climate, including freeze-thaw cycles, humidity, and seasonal storms.
Licensed & Insured
All our professionals are fully certified, and our work is backed by comprehensive insurance policies.
All-in-One Service
Whether it’s a small repair or a complete roof overhaul, we manage the entire project from start to finish with no outsourcing.
Why Insurance Claims Matter in Roofing Projects
Delaware sees its share of extreme weather. According to the National Centers for Environmental Information, Kent and Sussex Counties report dozens of severe wind and hail events each year, with wind speeds often exceeding 60 mph. These events commonly result in:
- Torn or missing shingles
- Cracked siding and detached gutters
- Water leaks and attic mold
- Structural damage from falling trees or flying debris
For many homeowners, insurance is the first line of defense, but navigating your policy alone can be overwhelming.
That’s where we come in.
For more on Delaware’s climate-related risks, visit the Delaware Emergency Management Agency.
Our Insurance Claim Process
Filing a roof or exterior damage claim doesn’t need to be difficult. We simplify the process with professional support at every step:
Step 1: Free Inspection & Documentation
We start with a thorough inspection of your roof, siding, gutters, and attic. We document all damage with high-resolution photos and detailed notes.
Step 2: Policy Review & Damage Matching
We help you understand what your insurance policy covers and identify how the documented damage aligns with that coverage.
Step 3: Adjuster Coordination
We meet with your insurance adjuster on-site to ensure nothing is missed, and we advocate for a fair, full assessment.
Step 4: Estimate & Supplement Reporting
We submit a professional repair estimate using industry software and provide supplemental documentation if new damage is uncovered.
Step 5: Restoration & Final Documentation
Once your claim is approved, we get to work. After the job is done, we provide completion photos and reports for your records.
Roofing Projects Commonly Covered by Insurance
While every policy is different, here are typical repairs and replacements that insurance may cover:
- Wind damage to shingles, flashing, or soffits
- Hail impact that causes granule loss or punctures
- Fallen trees are damaging roofing structures
- Water damage caused by storm entry points
- Mold mitigation related to storm intrusion
We’ll help verify what’s covered and provide cost-effective solutions for anything that falls outside your policy.
Learn more about the types of roof repair and emergency roof repair services we offer.
Financing Options for Homeowners
Not everything is covered by insurance. Whether you’re paying a deductible or funding an upgrade, we make it easier with flexible financing options.
What We Offer:
- 0% interest short-term plans for eligible homeowners
- Long-term monthly payment options for larger projects
- Deferred payment programs for urgent repairs
- Fast approvals with minimal paperwork, even for subprime credit
Our financing partners specialize in home improvement loans, so you get competitive rates and fast decisions, even if your credit isn’t perfect.
According to the Federal Reserve, over 30% of U.S. homeowners do not have sufficient emergency savings for major home repairs. That’s why flexible financing is more essential than ever.
Explore options for roof installation, roof replacement, or gutter installation under your budget.
Start by contacting us for a free roof inspection. We'll document the damage, help you understand your policy, and guide you step-by-step through the claims process. Many residents don't realize they qualify for coverage after wind or hailstorms. We help make that clear.
Most homeowners’ policies cover storm-related damage, such as missing shingles, hail dents, fallen trees, and water intrusion. We've helped homeowners with claims involving wind, hail, and even ice damming from harsh winters.
No, our team will meet with your adjuster on-site to ensure all storm-related damage is properly documented and accounted for. This is a key part of maximizing your payout.
Absolutely. We offer financing options with low or no interest, so you can begin repairs immediately. Many homeowners use financing to bridge the gap while claims are being processed.
That’s common. We’ll provide affordable solutions and offer payment plans to help you cover any uncovered upgrades or deductibles. You’re never stuck without options.
Yes, if it's sudden and storm-related, wind damage is usually covered. Wind gusts frequently exceed 50 mph during spring and summer storms, making this one of the most common causes of claims we handle.
Contact Us Today
First State Roofing & Exteriors
202 E Mt Vernon St #1, Smyrna, DE 19977
Phone: (302) 222-4065
Business Hours
Monday: Open 24 hours
Tuesday: Open 24 hours
Wednesday: Open 24 hours
Thursday: Open 24 hours
Friday: Open 24 hours
Saturday: Open 24 hours
Sunday: Open 24 hours