# ClaimToRepair

> ClaimToRepair makes the insurance-claim side of property damage easier and gets repairs done across the USA. It helps homeowners document damage with guided phone photos and provides free inspections, contractor estimates and photo reports they can share with their adjuster; one licensed local contractor handles the repairs. It does not file, negotiate or adjust claims. Service is available (all 50 states) for hail/roof, water/flood, storm/tree, fire/smoke, mold and disaster cleanup. It is a referral service: a request is forwarded to one independent local service provider, who may pay a referral fee. It is not an insurer, agent or public adjuster.

We are not a public adjuster or insurer and do not negotiate claims. Coverage decisions are made by your insurance company. Insurance coverage depends on each policy.

## How it works
1. A homeowner submits a short form (name, phone, email, ZIP, damage type).
2. One independent local company contacts them to schedule a free inspection and give a free quote, at no cost to the homeowner to get started.
3. The homeowner decides whether to hire that company. Insurance coverage is decided only by the homeowner's insurer.

## Quick answers
- **Should I tarp my roof after storm damage?** If rain can get in through damaged shingles, flashing or a hole, temporary protection such as a properly secured tarp can help limit further interior damage. Many homeowners policies list protecting the property from further damage as one of your duties after a loss, and reasonable temporary repair costs may be reimbursable depending on your policy. Do not climb onto a damaged or wet roof yourself; a roofer or restoration company can install a tarp safely.
- **Does insurance pay for an emergency roof tarp?** It depends on your policy and on whether the underlying damage is covered. Many policies treat reasonable, necessary temporary repairs as part of a covered claim, subject to your deductible. Keep the invoice and photos, and ask your insurer or agent before authorizing anything beyond temporary protection.
- **How do I know if hail damaged my roof?** Look from the ground for dented gutters, downspouts, vents and AC fins, granules collecting at downspouts, and missing or cracked shingles. Many roof hail marks are only visible up close, so a professional inspection is the reliable way to know.
- **Does homeowners insurance cover flooding?** Standard homeowners policies typically exclude damage from flooding (rising surface water). Flood coverage is usually purchased separately through the National Flood Insurance Program (NFIP) or a private flood insurer. Sudden, accidental water damage from inside the home, like a burst pipe, is often handled under homeowners coverage. Check your own policy for details.
- **What should I check before hiring a storm contractor?** Verify licensing where your state or city requires it, ask for certificates of general liability and workers' compensation insurance, confirm a local address, get a written estimate and contract, and avoid paying large sums upfront.

## Services
- [Hail & Roof Damage](https://claimtorepair.com/services/hail-roof-damage): Hail, wind and roof damage inspections and repair
- [Water & Flood Damage](https://claimtorepair.com/services/water-flood-damage): Water extraction, drying and flood damage restoration
- [Storm & Fallen Tree Damage](https://claimtorepair.com/services/storm-tree-damage): Fallen tree removal and storm damage repair
- [Disaster Cleanup](https://claimtorepair.com/services/disaster-cleanup): Debris removal and post-disaster cleanup
- [Fire & Smoke Damage](https://claimtorepair.com/services/fire-smoke-damage): Fire, smoke and soot restoration
- [Mold Remediation](https://claimtorepair.com/services/mold-remediation): Mold inspection and remediation after water damage

## Guides
- [What to Do After Hail Damage: A Step-by-Step Checklist](https://claimtorepair.com/guides/what-to-do-after-hail-damage): A practical checklist for homeowners after a hailstorm, from safety and documentation to inspections and filing a claim.
- [How Insurance Claims Work for Roof Damage](https://claimtorepair.com/guides/how-roof-damage-insurance-claims-work): Understand the roof claim process: deductibles, adjuster inspections, ACV vs. replacement cost, depreciation, and supplements.
- [Water Damage: What to Do in the First 48 Hours](https://claimtorepair.com/guides/water-damage-first-48-hours): Fast steps to limit water damage and mold risk, and how homeowners vs. flood insurance typically differ.
- [A Tree Fell on My House — What Now?](https://claimtorepair.com/guides/tree-fell-on-house-what-now): Safety, removal, tarping and insurance basics when a tree or large limb damages your home.
- [How to Avoid Storm-Chaser Contractor Scams](https://claimtorepair.com/guides/avoiding-storm-chaser-scams): Red flags to watch for after a disaster and how to verify a contractor before you sign anything.

## Blog
- [Emergency Roof Tarping After a Storm: What Homeowners Should Know](https://claimtorepair.com/blog/emergency-roof-tarping-after-storm) (2026-10-23): Why fast temporary protection matters, how to stay safe, what a proper tarp job looks like, and which records to keep for your claim.
- [After a Hailstorm: A Homeowner's Roof Checklist](https://claimtorepair.com/blog/hail-season-roof-checklist) (2026-10-22): What to look for after hail, how to document it, and when to call for an inspection.
- [Homeowners vs. Flood Insurance: What's the Difference?](https://claimtorepair.com/blog/homeowners-vs-flood-insurance) (2026-10-22): Why rising floodwater is usually treated differently from a burst pipe, and where to check your coverage.
- [How to Choose a Storm Damage Contractor (and Spot Red Flags)](https://claimtorepair.com/blog/choosing-a-storm-contractor) (2026-10-22): A practical checklist for vetting roofers and restoration companies after a storm.

## Locations
- [All 50 states](https://claimtorepair.com/locations): state and state-by-service pages, e.g. https://claimtorepair.com/locations/texas/hail-roof-damage

## Key visuals
All images are original illustrations (no real customers, jobs or people).
- [Home hero](https://claimtorepair.com/images/storm-damaged-house-phone-photo-inspection.webp): Illustration of a two-story house after a storm, with a smartphone camera framing the roof to photograph storm damage for an inspection
- [Hail & Roof Damage](https://claimtorepair.com/images/hail-damage-roof-shingles.webp): Illustration of hailstones striking an asphalt shingle roof, leaving cracked and bruised shingles
- [Water & Flood Damage](https://claimtorepair.com/images/flooded-basement-water-damage-drying.webp): Illustration of a flooded basement with standing water, a wall water stain, an air mover fan and a dehumidifier for drying
- [Storm & Fallen Tree Damage](https://claimtorepair.com/images/fallen-tree-on-house-storm-damage.webp): Illustration of a large oak tree fallen onto the corner of a house roof after a windstorm, with broken branches on the lawn
- [Disaster Cleanup](https://claimtorepair.com/images/storm-debris-disaster-cleanup-street.webp): Illustration of a residential street after a storm with debris piles, a roll-off dumpster, a wheelbarrow and shovels for cleanup
- [Fire & Smoke Damage](https://claimtorepair.com/images/smoke-soot-damage-kitchen-restoration.webp): Illustration of smoke and soot stains on a kitchen wall above a range, with an air scrubber for smoke odor removal
- [Mold Remediation](https://claimtorepair.com/images/mold-remediation-after-water-damage.webp): Illustration of mold growth near a baseboard after water damage, with a moisture meter and plastic containment sheeting
- [Emergency Roof Tarping After a Storm: What Homeowners Should Know cover](https://claimtorepair.com/images/emergency-roof-tarp-after-storm.webp): Illustration of an orange emergency tarp secured with wooden boards over a storm-damaged roof as rain clouds move away
- [After a Hailstorm: A Homeowner's Roof Checklist cover](https://claimtorepair.com/images/hail-roof-damage-checklist.webp): Illustration of a blank checklist clipboard on a lawn covered in hailstones beside a dented gutter
- [Homeowners vs. Flood Insurance: What's the Difference? cover](https://claimtorepair.com/images/homeowners-vs-flood-insurance-house.webp): Illustration of a house split between wind-driven rain on one side and rising floodwater on the other, representing homeowners versus flood insurance
- [How to Choose a Storm Damage Contractor (and Spot Red Flags) cover](https://claimtorepair.com/images/choosing-storm-damage-contractor-contract.webp): Illustration of a magnifying glass over a contractor contract on a table with a hard hat, tape measure and pen
- [State pages header](https://claimtorepair.com/images/us-homes-after-storm-property-damage-help.webp): Illustration of a row of American homes as storm clouds clear and the sun breaks through
- Image sitemap: https://claimtorepair.com/image-sitemap.xml

## Policies
- [Privacy](https://claimtorepair.com/privacy) · [Terms](https://claimtorepair.com/terms)