Insurance Claim Roofing in Metairie, LA
When a Metairie roof has been through more than one hurricane claim, the most useful record is the one that says which storm did what, and when.
Pull the paperwork on a Metairie roof that came through Zeta and then Ida and you may find two claims, two adjuster visits and a repair somewhere in between. The next time a storm opens a claim on that roof, someone will ask which shingles were already replaced, which damage belongs to which storm, and what was fixed on what date. Epic Roofing builds that record for Metairie owners: dated photos, attic notes and an itemized scope, sorted storm by storm.
Epic belongs to Joey Noto and is owner-run. Our office is in Mandeville, across the Causeway from our Metairie roofing jobs, and the claim itself remains yours to file. Our part is the evidence on the roof.
Two Storm Years on One Metairie Roof
Hurricane Zeta came ashore on October 28, 2020. Ida followed on August 29, 2021. Jefferson Parish carried a heavy share of both claim waves. Zeta produced 20,189 insurance claims in the parish, about a third of the storm's statewide total as of September 30, 2021. By March 31, 2022, Ida had produced 103,536 claims in Jefferson Parish, more than in any other parish in Louisiana. Both counts include every line of insurance, including auto and business policies, so they are not tallies of roofs. They do show how ordinary a storm claim became in the parish over those two seasons.
State law supplies the second piece. Where a homeowners policy on an owner-occupied one- or two-family house carries a separate hurricane or named-storm deductible, Louisiana law applies it on a calendar-year basis to every named-storm loss in that year (La. R.S. 22:1337). Zeta landed in 2020 and Ida in 2021, so the two storms fell in different deductible years. Ask your agent how this applies to your policy.
For a Metairie roof, all of that turns the storm history into a dating problem. An adjuster working the next claim may find shingles that do not match, a patched valley or a newer run of decking. Without dates, it is hard to say whether that work followed Zeta, followed Ida, or came later. With dates, each storm's damage and each repair sits in its own year, and the roof's history reads in order.
The Storm-by-Storm Roof File for a Metairie House
When we inspect a Metairie roof with a claim history, we organize our findings by date. The file you end up holding contains five kinds of records.
- Dated photos of each slope after each storm: Drone images and close-ups, stamped with date and location inside CompanyCam, so one storm's damage stays out of another storm's folder.
- The repair invoice from between the storms: An itemized invoice naming what was replaced, where on the roof, and with which material. If the roof was patched after Zeta, this invoice is the proof that Ida struck an already-repaired section.
- Attic notes with their own dates: Photos of the underside of the decking, stains around nail tips and damp insulation, taken on the day we are up there. A dated attic photo shows what the wood looked like that day, which no later visit can recreate.
- Tarp and temporary repair receipts: Receipts for tarps and materials, with a note of what was covered and on which date, plus your own photos of the damage taken before cleanup started. They go in the same year's folder as the storm that caused them.
- Any permit tied to the work: If a parish permit was pulled for roof work on your house after either storm, its record belongs beside the invoice.
The finished file is handed to you. You decide what reaches your agent, your carrier, or a buyer who asks about the roof later.
Where Epic Stops in a Jefferson Parish Claim
You file the claim with your carrier. In insurance claim roofing, Epic Roofing provides evidence: a drone inspection, an attic check, an infrared or moisture-meter reading where there is leak history, and a written scope tied, slope by slope, to what we photographed. Louisiana RS 22:1684 bars roofers from serving as public adjusters, so we do not negotiate or settle claims. What a policy pays and how a deductible applies are questions for you, your agent, and your carrier.
Invite us to the inspection, and we climb the roof alongside the adjuster to show what our photos recorded. Epic Roofing has walked roofs with adjusters from State Farm, Allstate, National General, Louisiana Citizens, and USAA. When an adjuster's scope leaves out damage we documented, we write up the missing items with photos, and you take them to your carrier.
No contractor may legally cover or waive a deductible in Louisiana. If the claim leads to work, the slope-by-slope scope indicates whether a roof repair in Metairie will close it out or a roof replacement in Metairie is due.
Zeta, Ida and Your Next Metairie Claim
Our Metairie roof had a claim after Zeta and another after Ida. What helps on the next one?
A record that keeps the two storms apart: photos dated after each one, the invoice for whatever was fixed in between, and photos of the roof as it stands now. Ask your agent what history your carrier already holds on the house.
We are insured with Louisiana Citizens. Can Epic be at the inspection?
Yes, if you invite us. Citizens invites owners to have a contractor who has worked on the home attend its inspection, and it says the repair figure is based on its field adjuster's estimate, the contractor's estimate, and the documents submitted. We come as the contractor with our photos and scope. We do not represent you on the claim.
The crew reroofing our Metairie house uncovered storm damage that the adjuster never documented. Can it still be raised?
Possibly. Supplemental claims are generally available for up to two years in Louisiana, though that right is controlled by your policy language, so check the terms with your agent. We photograph what the tear-off exposes, date it, and add it to your file for you or your representative to submit.
We never kept photos from the repair after Zeta. Can the record be rebuilt?
Partly. We can photograph and date the roof as it stands, and the attic may still show where older repairs sit. An old invoice, a permit record, or earlier claim paperwork can provide the missing date. What a photo taken today cannot do is show the roof before that repair.
How soon after a storm should a Metairie owner call Epic?
Once it is safe, call during business hours. Before that, photograph the damage before any cleanup, keep receipts for tarps or materials, and hold off on permanent repairs until your adjuster tells you to proceed. If water is coming in, say so on that call.
Will Epic tell us whether a claim is worth filing?
That decision belongs to you and your agent, along with what the policy pays. We can tell you what we found on the roof and what the repair involves, with photos, so the conversation with your agent starts from facts.
Date the Record on Your Metairie Roof
Book a free Metairie inspection at 225-396-8122. Tell us which storms the roof has been through and whether a claim is open, and bring any earlier invoices or adjuster letters to the visit. Your written estimate and photos arrive within 2–5 business days, and you pay no deposit when we first meet.
137 Girod Street, Suite 3, Mandeville, LA 70448