Storm damage, hail, wind — whatever hit your roof, AMPCo Construction handles the entire insurance claims process from documentation through final approval. No extra cost, no hassle, no surprises.
Documentation, adjuster coordination & approval support
Free Damage Inspection
On-site assessment with full photo documentation
No Extra Cost — Ever
Claims assistance is included with every storm damage job
All of Western Montana
Butte, Helena, Missoula, Anaconda, Hamilton & Dillon
Licensed & Insured
Claims Handled At No Extra Cost
Free Damage Inspections
Workmanship Warranty
Montana Family-Owned
The Problem With DIY Claims
Why Homeowners Leave Money on the Table
Most Montana homeowners have never filed a roofing insurance claim. Insurance companies count on that. Without proper documentation, adjuster advocacy, and knowledge of what should be covered, it's easy to end up with a claim settlement that doesn't fully cover the cost of repair or replacement.
AMPCo has guided homeowners through dozens of successful claims across Western Montana. Here are the most common mistakes we see when homeowners go it alone:
Insufficient Damage Documentation
Photos taken from the ground miss granule loss, lifted shingles, and flashing damage that adjusters need to see documented up close.
Missing Damage in the Adjuster Report
Adjusters work for the insurance company. Without a contractor present, legitimate damage items are often overlooked or minimized in the scope.
Accepting an Incomplete Scope
Insurance scopes often omit code upgrade requirements, drip edge, underlayment, or other items that are legitimately covered — costing you thousands.
Filing Too Late
Most Montana policies have a 1–2 year filing window after the storm. Many homeowners don't realize they have a valid claim until it's too late.
What AMPCo Handles
Everything — From First Call to Final Check
When you work with AMPCo on a storm damage claim, you don't need to navigate the process alone. We handle every step at no extra cost.
No Extra Cost
Insurance Claims Fully Handled
Free On-Site Inspection
Full roof inspection with close-up photo documentation of all damage — hail, wind, debris, flashing, and structural issues.
Claim Filing Support
We help you file your claim with the right documentation from the start — reducing the chance of delays, underpayment, or denial.
Adjuster Meeting
We meet your adjuster on-site and walk the roof together — ensuring all damage is identified and documented in their official report.
Scope Review & Advocacy
We review the insurance scope of work line by line and advocate for full, fair coverage — including code upgrades and all legitimately covered items.
Repair or Replacement
Work completed to manufacturer specs and Montana building code using materials approved under your claim scope.
Final Billing & Closeout
We handle final billing coordination with your insurer where applicable and provide all documentation needed to close your claim.
No Extra Cost — Included With Every Storm Damage Job
Full insurance claims assistance is included at no additional charge with every hail, wind, or storm damage repair and replacement job. You pay your deductible — we handle the rest.
Step by Step
How a Roofing Insurance Claim Works With AMPCo
Most homeowners have never filed a roofing claim. Here's the full process — and exactly where AMPCo steps in at every stage.
01
Storm Hits
Hail, wind, or severe weather damages your roof. You may or may not notice signs immediately — damage is often not obvious from the ground.
02
Call AMPCo First
Before calling your insurance company, contact AMPCo. We'll inspect first so you have documented evidence before the claims process begins.
03
Free Inspection & Docs
We inspect the full roof and document all damage with close-up photos and a written assessment — everything your insurer needs to process the claim.
04
File Your Claim
You file the claim with your insurance company. We help you submit the right documentation from the start to reduce delays and disputes.
05
Adjuster Meeting
Your insurance company sends an adjuster. We meet them on-site, walk the roof together, and ensure all legitimate damage makes it into their report.
06
Scope Review
We review the insurance scope of work line by line. If items are missing or underpaid, we work with your insurer to get the scope corrected before work begins.
07
Approved — We Build
Once approved, we complete the repair or replacement to spec. Most jobs are completed in 1–3 days with daily cleanup and no mess left behind.
08
Warranty & Closeout
Full workmanship warranty provided at completion. We supply all final documentation needed to close the insurance claim on your end.
Storm damage? Call AMPCo before you call your insurance company.
Call AMPCo first. Getting a professional inspection and damage documentation before you contact your insurer puts you in a much stronger position. You'll have evidence of the full scope of damage ready to submit with your claim — rather than relying on whatever the adjuster finds on their own.
Most standard Montana homeowners insurance policies cover sudden and accidental damage from named perils — including hail, wind, fallen trees or debris, and fire. Gradual wear and tear, age-related deterioration, and pre-existing conditions are generally not covered. AMPCo will assess your damage and help you understand what's likely to be covered under your specific policy before you file.
It depends on your insurer and your claims history. A single weather-related claim generally has less impact on rates than an at-fault or liability claim. Many insurers treat storm damage claims differently than other claim types. The best approach: get AMPCo's free inspection first to understand whether the damage is worth claiming relative to your deductible and potential rate implications.
Most Montana homeowners insurance policies require storm damage claims to be filed within one to two years of the event, though this varies by insurer and policy. Don't assume you've missed the window — contact AMPCo and we'll help you assess whether your damage is still within the claimable timeframe.
Underpayment and partial denials are common — especially when homeowners go through the process without contractor support. AMPCo reviews every insurance scope of work and will advocate directly with your insurer if items are missing or underpaid. In cases of a full denial, we can help you understand your options including requesting a re-inspection or working with a public adjuster.
No. In Montana, you have the right to choose your own licensed contractor for insurance-covered repairs. Insurance companies may suggest preferred contractors, but you are under no obligation to use them. Preferred contractor programs benefit the insurer — not necessarily you. AMPCo is fully licensed and insured, and our work meets all requirements for insurance-covered repairs in Montana.
Nothing. Full insurance claims assistance — inspection, documentation, adjuster coordination, scope review, and approval support — is included at no extra cost with every storm damage repair and replacement job. You pay your deductible. AMPCo handles the rest.
Start Your Claim Today
Get a Free Inspection Before You Call Your Insurer
Fill out the form and an AMPCo roofer will contact you within 24 hours. We'll document your damage, help you file your claim, and handle the entire process from there.
