Remodeled Kitchen, Charlotte NC

We Know How Insurance Claims Work, From Both Sides of the Table

Kyle spent five years managing insurance restoration claims before founding Cline in 2007. He knows how Xactimate estimates are built, what adjusters look for on a roof inspection, and how damage gets missed when the contractor doesn't know what they're doing. When you file a claim with us on your side, nothing gets left on the table.

What Happens When Storm Damage Hits Your Home

Most homeowners file a claim within days of a storm — and most of them don't know what they don't know. Adjusters work for the insurance company. Their job is to document damage accurately, but their time on your property is limited and their scope is based on what they can see. If your contractor isn't there to walk the roof with them, line items get missed, damage gets undervalued, and your settlement comes in short.

 

We work alongside your adjuster from the start. Kyle reviews the scope, documents damage thoroughly, and makes sure the estimate reflects what your home actually needs — not just what was easy to see from the ground.

What Our Insurance Restoration Process Looks Like

1. Free Damage Inspection

We get on your roof and assess the full extent of the damage — hail impacts, wind-lifted shingles, damaged flashing, gutters, siding, and anything else the storm touched. You get a clear picture before a single claim is filed.

2. Claim Support and Adjuster Coordination

We work directly with your adjuster. Kyle knows how Xactimate line items are structured and how to present documentation that holds up. We flag anything that's been missed and make sure the scope reflects the real cost of restoring your home.

3. Restoration Begins

Once your claim is approved, we schedule and complete the work — roofing, siding, gutters, windows, or any combination your home needs. One crew, one point of contact, no hand-offs to subcontractors you've never met.

4. Final Walkthrough and Follow-Up

Kyle walks the completed job with you. If anything isn't right, we fix it. You have his direct number and he picks up.

What We Restore After Storm and Hail Damage

Storm damage rarely stops at the roof. We handle the full exterior restoration so you're not coordinating three separate contractors and three separate timelines.

 

  • Roof replacement and repair — all shingle types, including insurance-grade and impact-resistant options
  • Siding repair and full replacement — vinyl, fiber cement, James Hardie, LP SmartSide
  • Gutter replacement and reattachment — often covered under the same claim
  • Window replacement — storm-broken or seal-failed units
  • Fascia, soffit, and trim — the details adjusters sometimes miss and we always catch

Why Homeowners in Cass County Trust Cline With Their Claim

There's no shortage of contractors who appear after a big storm. Most of them are from out of state, working a temporary market, and gone before you know whether the job was done right. We've been based in Pleasant Hill since 2007. We're not storm chasers — we're your neighbors, and we'll be here long after the work is done.

 

  • BBB A+ accredited
  • 4.9★ on Google — multiple reviews name Kyle by name
  • Kansas Roofing Registration: CT22-009367
  • Licensed in Johnson County, KS: Class C Residential Contractor #2026-0010620
  • Owner-operated: Kyle manages every job personally
  • Available 24 hours — including nights and weekends after major storm events
Close-up of a metal roof edge with a blue wall and gutter

Frequently Asked Questions About Insurance Restoration

  • Do I need to file the claim before calling a contractor?

    No — and we'd actually recommend calling us first. We can inspect the damage, help you understand what you're dealing with, and walk you through what to expect from the claims process before you contact your insurer. Going in informed puts you in a better position from the start.

  • Will filing a claim raise my insurance rates?

    It depends on your policy and your insurer. Storm and hail damage is typically covered under your standard homeowners policy as an "act of God," and many insurers treat these differently than at-fault claims. Your insurance agent is the right person to ask about your specific policy — we're happy to help you understand the scope of damage so you can make that call with full information.

  • What if my adjuster says the damage doesn't meet my deductible?

    We see this happen. Sometimes the adjuster's scope misses items or undervalues the damage. If we believe the assessment is incomplete, we can help you request a re-inspection or work with a public adjuster. We've been through this process enough times to know when a scope needs to be challenged.

  • How long does the insurance restoration process take?

    From inspection to completed restoration, most projects run two to six weeks depending on claim approval timelines and material availability. We stay in contact throughout and keep you updated at every stage — you're never left wondering where things stand. Do you only work with certain insurance companies? We work with all major carriers. We're familiar with how most insurers in the Kansas City metro handle residential claims, and we know how to document damage in a way that works within standard claim processes regardless of who your carrier is.