Insurance without the guesswork
A contractor documents construction facts. Your carrier decides coverage.
Protecht can inspect the roof, prepare photos and measurements, write a construction scope, and explain repairability. We do not promise that an insurer will approve a claim or pay for replacement. Policy language, cause of loss, condition, deadlines, deductible, depreciation, and the carrier's investigation all matter.
HomeownerProtect the property from additional damage when safe, keep receipts and photos, review the policy, and communicate promptly with the carrier. Michigan DIFS advises homeowners to make necessary temporary repairs while avoiding permanent work before the insurer has inspected.
Protecht ExteriorsInspect accessible construction, document observed conditions, develop a repair or replacement scope, provide estimates, and perform authorized work to the agreed specifications.
Insurance carrierInvestigate the reported loss, interpret coverage, apply the policy and deductible, and issue its coverage and payment decisions.
Do not rely on a universal “two-year Michigan deadline.” Notice, proof-of-loss, replacement-cost, and legal deadlines can differ. Review your policy and carrier communications promptly, and seek qualified legal or insurance guidance when a deadline or coverage dispute is unclear.