Deductible too high? Claim feels complicated? We manage your North & South Carolina insurance claim from first inspection to final check, and offer $0-down financing so repair or replacement never waits on your bank account.
Most homeowners don't lose sleep over the repair itself - they lose sleep over whether insurance will pay and how to cover the rest. We handle both, together, so a storm becomes a scheduled repair instead of a financial emergency.
From the first documented inspection to meeting your adjuster on the roof, we build the evidence file your insurer needs and push back on anything under-scoped, so your settlement reflects the real repair.
Deductibles, ACV depreciation gaps, and upgrade costs rarely come with a check attached. Our lending partners offer transparent monthly plans, including promotional 0% APR for qualified homeowners.
Two policy terms make the difference between a small deductible and a five-figure surprise. We read your declarations page before you file, so there are no surprises later.
Pays the full cost to replace your roof at today's prices, minus your deductible. Carriers often withhold recoverable depreciation until work is complete.
Pays replacement cost minus depreciation for age and wear. On an older roof, ACV can leave a five-figure gap between your check and the real repair bill.
The withheld portion of an RCV claim, released once we invoice completed work. We track and submit this for you so it doesn't get forgotten.
The same line-item software your adjuster uses. When our scope matches theirs exactly, claims move faster and supplements get approved instead of argued over.
We prepare a re-inspection report with photo evidence and a rebuttal estimate, then request a re-inspection. We'll tell you honestly if a public adjuster makes sense.
Many NC & SC carriers shift roofs over 15-20 years old to ACV-only. If yours is close to that age, an early documented inspection protects your next claim.
Insurance rarely covers 100% of a storm repair. Here's what typically stands between your claim check and a finished roof, and how a payment plan closes it. Your exact numbers always come from a free review of your specific policy and damage.
| Common Gap | Financed Monthly |
|---|---|
| $2,000 deductible on an $18,500 RCV replacement | from ~$65/mo |
| $6,500 ACV depreciation gap on an older roof | from ~$115/mo |
| Class 4 impact-resistant shingle upgrade | from ~$40/mo |
| Full repair cost if a claim is denied | 0% intro APR available* |
*Financing subject to credit approval through third-party lenders. Example payments assume approved credit; terms vary from 12-180 months. We never waive deductibles, which is not legal in NC & SC - we finance them instead.
No deposit on approved claims and financed projects - emergency repairs never wait on a check clearing.
Soft-pull pre-qualification through licensed lenders, including 0% interest promotional plans for qualified homeowners.
Legally and transparently financed, never "waived" - protecting both you and your claim from insurance fraud exposure.
We've closed storm claims with State Farm, Allstate, Nationwide, USAA, Liberty Mutual, Erie, NC Farm Bureau, and Travelers, so we know each carrier's documentation preferences and typical timelines.
Documented, photo-backed inspection reports so your claim window stays open and evidence is solid from day one.
Our project manager walks the roof with your adjuster, pointing out every hail hit and wind crease so nothing gets missed.
We never waive deductibles. We finance them transparently, so your claim stays clean and your budget stays manageable.
Photo-documented damage report, usually within 24-48 hours.
We help you file promptly and correctly, with full documentation.
We walk the roof with your adjuster so nothing gets missed.
We reconcile the estimate and set up $0-down financing for anything insurance doesn't cover.
We complete the work, then submit for your recoverable depreciation check.
Local crews, local adjuster relationships, statewide reach.
Here is our service area:
Don't see your town? We cover roofing services across NC & SC - see all service areas below or request a free quote.
They handled the whole insurance claim for our storm damage and documented everything. Professional, on time, and the roof repair has held up perfectly.
Our claim was underpaid at first. They came back with photos and a rebuttal and got it fixed. Also set us up on a payment plan for the deductible with zero pressure.
Honest crew - explained RCV vs ACV in plain English before we even filed. Reliable roof repair and claim support, exactly as promised.
In most cases, yes. Standard NC & SC homeowner policies cover sudden storm perils - wind, hail, and falling-object damage - minus your deductible. The payout depends on whether your policy is RCV or ACV, which we verify before you file.
Yes, legally, through payment plans. NC & SC law prohibits waiving deductibles, so instead we roll your deductible and any coverage gap into a transparent monthly plan through licensed third-party lenders, with $0 due at signing.
Most NC & SC policies allow one to three years from the date of loss, but late claims face heavier scrutiny and unrepaired damage worsens in the meantime. Schedule an inspection within two weeks of any significant storm.
We prepare a re-inspection report with photo evidence and a line-item rebuttal, then request a re-inspection with the adjuster. If the dispute escalates, we'll advise honestly on appraisal clauses or public adjusters.
Often, yes. Many NC & SC carriers offer discounts for certified Class 4 impact-resistant shingle installation. Ask us for the certification paperwork with any qualifying job.
Our lending partners offer tiered plans for a range of credit profiles, and pre-qualification is a soft pull that won't affect your score. We'll walk you through real options during your free review.
Working with Serge Stockert was great! He was so helpful and made the whole process dealing with insurance very easy. He handled everything. I highly recommend working with him and Top Flight Contracting. You will not believe how smooth and easy the whole process can be!
Company was excellent! Serge was my main contact and he kept me informed of time frames, delays (weather related). He worked diligently with my insurance company to get the best for me. Thank you!!!
A special shoutout to Serge, the project manager, who truly made the difference. From the first consultation, he was professional, straightforward, and knowledgeable, explaining every detail without any pressure or upselling. The crew showed up on time, worked efficiently, and took real pride in their work. The transformation speaks for itself — the old roof looked worn and tired, and now the house looks completely refreshed with a clean, high-quality finish.