Roofing Insurance Claims
in Frederick, MD
GAF Master Elite Certification
300+ 5-Star Reviews
Accredited and A+
The Help You Need With Your Roof Insurance Claim
Filing a roofing insurance claim in Maryland is usually a straightforward process, but understanding how it works can help you avoid delays, confusion, and costly mistakes. Whether your roof was damaged by hail, wind, or a severe storm in Frederick, knowing what to expect can make the claims process much smoother. Here’s an overview of how roofing insurance claims work and how AC Matthews Roofing & Exteriors helps you navigate each step with confidence.
Step-by-Step: How a Roofing Insurance Claim Works in Frederick
What Insurance Covers — and What It Doesn't
Standard homeowner policies in Maryland cover roofing damage caused by specified perils: hail, wind, falling trees, and fire. Policies generally don’t cover damage from age-related wear, poor maintenance, or gradual deterioration — these are considered maintenance issues, not insurable events.
Actual Cash Value (ACV) vs. Replacement Cost Value (RCV) is one of the most important policy distinctions to understand before you file. ACV policies pay the depreciated value of your roof — an older roof receives significantly less compared to a new roof. RCV policies pay the full cost to replace it with like materials. Check your policy before assuming full replacement cost coverage.
How to Protect Yourself From Bad Actors After a Storm
After major hail or wind events in Frederick, it’s not uncommon for out-of-state contractors to arrive and begin canvassing neighborhoods. Some are legitimate. Many use high-pressure tactics, require you to sign an Assignment of Benefits (AOB) contract before they’ll inspect, and disappear once the claim check is paid. An AOB transfers your insurance rights to the contractor, and once signed, you lose control of your own claim.
- Never sign an AOB: We don't require them, and you don't need to sign one for any legitimate contractor.
- Verify Maryland licensing: Check the Maryland Home Improvement Commission's database before any contractor gets on your roof.
- Get documentation before filing: Have a written damage assessment from a local contractor before your adjuster arrives.
- Don't let contractors file on your behalf: You file your own claim. A contractor can support the process but shouldn't control it.
GAF MASTER ELITE ROOFING CONTRACTOR
Workmanship With Integrity
AC Matthews is proud to be a GAF Master Elite® Roofing Contractor, a status achieved by only 2–3% of roofing companies in the entire country. This elite recognition highlights our commitment to superior workmanship, strict quality standards, and roofing systems built to protect your home for years to come.
Elite certification earned by only 2–3% of roofers nationwide for proven quality and reliability.
WE INSTALL ALL LEADING BRANDS
Products That Last
GAF roofing systems, Royal Building Products siding systems, and Provia, Windows & Doors are our flagship material partners, but we proudly install all leading brands. Whether you prefer a specific manufacturer or your insurance requires it, you’ll still receive the same elite AC Matthews installation and warranty support.
TRUSTED BY MARYLAND & PENNSYLVANIA HOMEOWNERS
Real Customer Reviews
Frequently Asked Questions
