Insurance Claim Roofing in South Louisiana
Drone + infrared documentation · Adjuster meetings · LA-licensed since 2020 — serving the greater South Louisiana area from our Mandeville HQ.
If a named storm, severe thunderstorm, or hail event damaged your roof, you are about to navigate a process that most homeowners experience only two or three times in a lifetime. Epic Roofing is a Louisiana-licensed roofer with twenty years of experience in South Louisiana construction. We document your loss correctly, attend the adjuster meeting with you, and perform the repair after your claim is approved. We are not public adjusters — we will not file your claim or negotiate the settlement with your carrier.
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That boundary matters. In Louisiana, only a licensed public adjuster (LA RS 22:1684) can file or negotiate claims on a homeowner's behalf. Any roofer offering to "handle the insurance company for you" or "waive your deductible" is operating outside the law — and that posture can void your policy. We provide the documentation your carrier needs to make an honest coverage decision. The adjuster decides. The carrier pays. We repair.
What Epic Roofing Does (and What Epic Does Not Do)
Most of the confusion about roofers and insurance claims stems from the fact that some contractors quietly cross legal lines to win the job. We will not, and the boundary matters enough that we publish it on this page in writing before you call us.
What Epic Roofing does provide
- Free post-storm inspection with drone aerial imagery, infrared moisture scan where applicable, attic check, and a written photo report inside CompanyCam — yours to keep whether you hire us or not.
- A written scope of work and contractor estimate that your carrier can review against the adjuster's scope.
- On-site coordination at the adjuster inspection — we walk the roof alongside the adjuster, show them what we documented, and answer technical questions about the damage.
- Post-storm emergency tarping and board-up to prevent further loss while the claim is processed (mitigation is typically reimbursable under Coverage A on most LA homeowner policies).
- Repair or replacement work after your claim is approved — same Louisiana-licensed crew, magnetic nail sweep, CompanyCam documentation throughout.
What Epic Roofing does not provide
- We do not file your insurance claim for you. The homeowner files; we provide documentation.
- We do not negotiate the settlement with your carrier. Negotiation is a public-adjuster function and requires a separate Louisiana license, which we do not hold.
- We do not act as your representative with the insurance company. We are present at inspections as the contractor, not as your agent.
- We do not waive your deductible. Doing so is illegal in Louisiana (LA RS 22:1973 and LA RS 22:1892), can void your policy, and is a felony in some forms. Any contractor offering this is a problem, not a solution.
- We do not chase storms. We are a Louisiana company with a Mandeville office and a published LA license number. We were here before this storm, and we will be here for the next one.
Why the Boundary Exists (Louisiana Public-Adjuster Law)
Louisiana Revised Statute 22:1684 et seq. governs who is allowed to investigate, negotiate, or settle insurance claims on behalf of policyholders. Three roles are recognized:
The carrier's adjuster
Hired by the insurance company. Inspects the damage, writes the scope of loss, and recommends the coverage decision to the carrier. The adjuster works for the insurance company, not for you.
The public adjuster
A separately licensed professional who works for the homeowner. Can file claims, negotiate settlements, and represent the policyholder in disputes with the carrier. Public adjusters are licensed by the Louisiana Department of Insurance and typically charge a percentage of the claim settlement.
The contractor (Epic)
Performs the documentation, the scope-of-work estimate, and ultimately the repair or replacement. A contractor can be present at an inspection and provide technical information — but cannot, by Louisiana law, file the claim or negotiate the settlement on the homeowner's behalf. If you need an advocate against the carrier, hire a public adjuster (or a licensed Louisiana attorney). Roofers who cross this line are operating outside the statute.
This boundary is not red tape — it is consumer protection. The same statute that prevents us from filing your claim also prevents storm-chasing contractors from forging your signature on assignment-of-benefits forms, settling your claim for pennies on the dollar, and disappearing with the carrier check.
The Documentation We Hand You
Documentation is the single most useful thing a roofer can do for a homeowner with a claim. The adjuster's job is to assess the scope; your job is to ensure the assessment is based on complete information; our job is to provide that information in writing, with photos, before the adjuster shows up.
The post-storm inspection deliverable
Drone aerial imagery of every roof slope. Infrared moisture scan on suspect areas. Attic inspection for water staining or daylight penetration. Photo documentation of every impact, lifted shingle, displaced flashing, and storm-debris contact point — date-stamped and geo-tagged inside CompanyCam. A written summary that maps each documented loss to the slope and pitch where it occurred.
The contractor's scope of work
A written, itemized scope and estimate covering the repair or replacement work needed to return the roof to pre-loss condition — every line item priced, every material brand specified (Atlas, CertainTeed, McElroy, DaVinci), and every code-required upgrade called out separately for Ordinance & Law coverage consideration.
The CompanyCam project album
All inspection photos and documentation are stored in a CompanyCam album that you can share with your adjuster, your insurance agent, or a second-opinion contractor. The album travels with the project from first inspection through final walk-through.
The Adjuster Meeting
The on-site adjuster inspection is the single most consequential moment in the entire claim process. Whatever the adjuster writes down here drives the scope, the coverage, and the check.
What Epic does at the adjuster meeting
We meet the adjuster at your property, walk the roof together, and show them what we documented during our inspection. We answer technical questions about the damage, construction, materials, and required labor. We are present as the contractor who will ultimately perform the work, not as your representative with the insurance company. If the adjuster identifies less damage than we documented, we leave that disagreement to you and your carrier (or, if you want one, a licensed public adjuster) to resolve.
What happens after
The adjuster reports back to the carrier with their scope of loss. The carrier issues a coverage decision and, if covered, a payout figure. You receive an Actual Cash Value (ACV) check up front; the Replacement Cost Value (RCV) holdback is released after the repair is documented as complete. If the adjuster's scope omits work the carrier's policy actually covers — Ordinance & Law upgrades, code-required deck replacement, supplementary mitigation — Epic Roofing provides written contractor-side documentation of those items so you (or your representative) can request a scope review with the carrier.
What Epic Roofing will not do
We will not call your carrier to negotiate the payout. We will not draft or submit settlement demand letters. We will not represent you in coverage disputes. Those activities are reserved by Louisiana law for licensed public adjusters and attorneys. If your claim needs that kind of advocacy, we will tell you so and recommend you engage one.
The Storm-Chaser Warning
After every named storm in South Louisiana, dozens of out-of-state contractors descend on the Northshore, Baton Rouge Metro, and Metro NOLA offering "free roofs," "we'll handle the insurance," and "we'll waive your deductible." Most of them are gone within six months. Some leave substandard work; others leave forged signatures and disappear with the carrier check. Here is how to spot one before you sign anything.
Five red flags every Louisiana homeowner should walk away from
- No Louisiana state contractor license number on the estimate. Verify at lslbc.louisiana.gov. (Epic: RL886377 / CL69991.)
- No Louisiana office address you can drive to. A P.O. box or out-of-state corporate address is the tell.
- Pressure to sign within ten minutes. Notice of Engagement, Assignment of Benefits, or "contingency contracts" pushed at the first meeting are the storm-chaser playbook.
- Offers to "handle the insurance company," "file the claim for you," or "waive your deductible." All three are illegal in Louisiana without a public adjuster's license. Walk away.
- No verifiable Louisiana references. Ask for three local references and call them.
Slowing down 24 hours rarely costs you a covered claim and routinely saves you from a contractor who will not be here to honor the warranty.
Post-Storm Capability
Between the moment a named storm hits the Gulf and the day your claim is fully processed, the priority is preventing further loss. Active leaks compound; missing shingles let wind-driven rain in; exposed decking soaks up water. Insurance carriers generally treat reasonable mitigation as reimbursable under Coverage A — but only if the work is documented.
Pre-landfall preparation
When a named storm enters the Gulf in our projected path, we pre-stock heavy-duty tarps on every truck, secure dumpsters, and call active customers in the projected zone.
Post-landfall response
Within 48 hours of landfall, our crews are on roofs across the affected service area, conducting free post-storm inspections and installing emergency tarps where active leaks exist. Tarp documentation goes into CompanyCam in real time — date, location, materials — available immediately for your claim.
Board-up and dry-in
For severe wind events that compromise larger roof areas, we provide board-up and dry-in protection until the claim is approved and the permanent repair can be scheduled.
Carriers we routinely work with
Most South Louisiana roof claims we document in 2026 are written through one of five carriers: State Farm (the largest single carrier on our claim sheets), Allstate, National General (frequent on Louisiana-coastal-wind-tier policies), Louisiana Citizens (concentrated in Jefferson, Orleans, and St. Tammany Parishes), and USAA. Naming them is not an endorsement, and we are not affiliated with any of them — it is a practical signal that we have walked the documentation process with each carrier's adjusters. Carriers we have not named are not excluded — bring your declaration page to the on-site inspection; we will walk through what your specific policy covers before any work is scoped.
After Your Claim Is Approved
Once the carrier approves the claim and issues the ACV check, the repair or replacement work begins on the timeline you choose. Same Louisiana-licensed crew that documented the damage, met the adjuster, and tarped the roof. No subcontractor handoff. No "insurance specialist" we have never heard of.
Atlas, CertainTeed (ShingleMaster credentialed), DaVinci composite slate, or McElroy standing-seam metal — every brand and product line named on the estimate, with the workmanship warranty in writing. The carrier's RCV holdback releases after we document completion with final photos and the invoice; we coordinate the paperwork with you and your agent.
FORTIFIED upgrade pathway
Insurance-funded replacement is often the right moment to consider a FORTIFIED upgrade — the Louisiana Fortify Homes Program offers up to $10,000 toward a FORTIFIED-certified roof for income-qualified homeowners, and most LA carriers offer a continuing premium reduction once the FORTIFIED certification is on file. Epic Roofing is on the LA-approved contractor list with 30+ FORTIFIED installations. We will walk you through whether the upgrade math works for your specific home and policy.
"They documented what three other contractors had missed." We had two storm chasers and one local roofer walk our property after Francine. Each one wrote a different scope and pushed us to sign that day. Epic showed up with a drone, an iPad, and a written photo report — handed it to us and said the adjuster would decide. The adjuster ended up writing the scope Epic documented, and Epic did the repair after the carrier paid. No pressure, no signature games, no missing money. — Verified Google review
Insurance Claim Roofing FAQs
Are you a public adjuster?
No. Public adjusters are separately licensed by the Louisiana Department of Insurance under LA RS 22:1684 to file claims, negotiate settlements, and represent policyholders in coverage disputes. We are a Louisiana-licensed roofer (LSLBC RL886377 / CL69991). We document the damage, write the contractor scope, attend the adjuster meeting, and perform the repair after your claim is approved.
Will you file my claim for me?
No. By Louisiana law, only the homeowner (or a licensed public adjuster or attorney) can file a claim with your carrier. What we do is hand you the documentation your carrier needs — drone imagery, infrared scan, written photo report, contractor scope — so the filing you submit is accurate and complete.
Will you negotiate with my insurance company?
No. Negotiating a settlement with a carrier on a homeowner's behalf is a public adjuster's function. We will not call your carrier on your behalf, draft demand letters, or represent you in coverage disputes. If the adjuster's scope omits work that should be covered, we provide written documentation you can use to request a scope review.
Can you waive my deductible?
No. Waiving a homeowner's deductible is illegal in Louisiana (LA RS 22:1892 and related statutes), can void your policy, and can expose both the contractor and the homeowner to penalties. Any contractor offering this is operating outside the law and putting your claim at risk.
What happens if you find more damage than the adjuster wrote up?
We provide written contractor-side documentation of the additional damage with photos and a revised scope. You (or your representative) can use that documentation to request a scope review with your carrier. The carrier — not Epic Roofing — makes the final coverage decision.
How fast can you inspect after a named storm?
Within 48 hours of landfall during named-storm events. Outside named storms: same-day or 24-hour for active leaks. Call (225) 819-3742.
A contractor knocked on my door after the storm. Should I sign with them?
Slow down for 24 hours. Verify their LA contractor license at lslbc.louisiana.gov, confirm they have a Louisiana office, ask for three local references, and call them. Any contractor pushing a Notice of Engagement or Assignment of Benefits at the first meeting is following the storm-chaser playbook.
Free Post-Storm Inspection — No Obligation
If a named storm, severe thunderstorm, or hail event has damaged your roof, the first step is a free inspection. We document the loss in writing — yours to keep, whether you hire us, hire a public adjuster, or hire neither. We are on roofs within 48 hours of named-storm landfall.
137 Girod Street, Suite 3, Mandeville, LA 70448