• - Locally Owned & Family Operated
  • - 20+ Years Roofing Experience
  • - Serving Spokane & North Idaho
  • ✓ Now Offering Financing
  • ✓ Insurance Claims Welcome
509-499-4643
509-499-4643

We Help Spokane Homeowners Get the Roof They Deserve

Dealing with a storm-damaged roof is stressful enough without having to fight your insurance company for a fair settlement. All Terrain Roofing has extensive experience working with insurance adjusters across Spokane and North Idaho, and we advocate for homeowners every step of the way — from the initial inspection and documentation to the final repair or replacement.
Our goal is simple: make sure you get the full scope of work your home needs, not just the minimum your insurance company is willing to pay.
Call for a Free Storm Damage Inspection

Do You Really Need 3 Estimates for Your Insurance Claim?

One of the most common questions we hear is whether three estimates are required before submitting an insurance claim. In most cases the answer is no — but it’s always worth checking your specific policy to be sure.
Here’s a real-world example that shows why chasing the lowest estimate can actually hurt you:

Insurance Estimate: $10,000

Roofer #1: $9,000

Cheapest bid. But where are they cutting corners? Lower bids often mean cheaper materials, skipped steps, or subcontractors you've never met.

Roofer #2: $15,000

Higher than the insurance estimate, but here's what matters: experienced contractors justify every line item. When presented with a detailed, professional estimate, most insurance companies will agree to the higher number — because the work is documented and defensible.

Roofer #3:

I'll do whatever the insurance company says' — This sounds safe, but insurance adjusters are not professional roofers. They may miss damaged components, underestimate material costs, or overlook items that will cause problems down the road.

The right contractor isn’t the cheapest — it’s the one who knows the insurance process, documents everything thoroughly, and advocates for your home. That’s All Terrain Roofing.

How All Terrain Roofing Supports Your Insurance Claim

1. Free Storm Damage Inspection

We inspect your entire roof, identify all storm-related damage, and document everything with detailed photos.

2. Detailed Written Estimate

We provide a thorough, line-item estimate that clearly justifies every repair or replacement item — giving your insurer no room to undervalue the work.

3. Adjuster Coordination

We work directly with your insurance adjuster, answering questions and presenting professional documentation to support a fair settlement.

4. Homeowner Advocacy

If the initial insurance estimate falls short, we help you understand your options and support you through the supplement process.

5. Quality Repair or Replacement

Once approved, we complete the work with the same quality and owner oversight we bring to every project — backed by our 25-year workmanship warranty.

What All Terrain Roofing Documents for Your Claim

  • Wind and hail impact damage to shingles, flashing, and ridge caps
  • Damaged or missing pipe boots and sealants
  • Gutters and downspouts damaged by storm debris
  • Skylight and chimney flashing damage
  • Structural damage to decking or fascia
  • Pre-existing conditions that may affect coverage
  • Photo documentation of all damage areas

FAQs

In most cases, no. Most insurance policies do not require three estimates. Check your specific policy, but
typically you have the right to choose your own contractor.

That depends on your insurance provider and policy. We recommend contacting your insurer directly to
understand how a claim may affect your premium before proceeding.

This is common. We will review the adjuster's estimate and if items are missing or undervalued, we'll
document the discrepancy and work with your insurer to get a fair settlement.

As soon as possible. Most policies have a filing window after a storm event. We recommend calling us for an
inspection right away so damage is documented before further weather exposure.

Yes — we have experience working with all major insurance carriers serving the Spokane and North Idaho
area.

Yes — our storm damage inspections are completely free with no obligation. We document the damage and
walk you through our findings before any work is discussed.

Hail and high winds are the most common causes of insurable roof damage in the Spokane area. Ice dams in winter can also cause significant damage that may be covered depending on your policy.
You have the right to choose your own licensed contractor. You are not required to use a contractor assigned or recommended by your insurance company.
We can help you understand why your claim was denied and whether additional documentation or a second adjuster review may be warranted. Don't accept a denial without getting a professional second opinion.
Once your claim is approved and materials are secured, most residential roof replacements are completed in 2-4 days. The claims process itself varies by insurer but typically takes 1-3 weeks.

Storm Damage? Don't Wait.

Call All Terrain Roofing for a free storm damage inspection in Spokane and North Idaho. We’ll document the damage, work with your insurer, and make sure your home gets the repair it deserves.
Get a Free Storm Damage Inspection