Storm damage? Handle your roof claim with confidence.

What's covered and what isn't, ACV vs. RCV, the full claims process, why your contractor should be at the adjuster meeting, and the mistakes that quietly shrink your payout — the whole Massachusetts claim, start to finish.

Whether a leak is covered comes down to one thing: what caused it. How insurers draw the line between a sudden event and slow wear.

Age doesn't cancel coverage, but it changes how a claim is paid and how your policy gets renewed. What actually happens as a roof gets older.

Sudden ice and snow damage is usually covered; cosmetic staining and neglect often aren't. Where the line falls on the most New England of claims.

The handful of reasons roof claims get turned down — and the recourse options that exist in Massachusetts when one is.

What an adjuster checks on your roof — cause, date of loss, storm versus wear — and why your own documentation matters so much.

Your agent, the adjuster, your roofer, a public adjuster — who does what, when to call each, and what a supplement actually is.

The cheapest thing you can do to protect a claim: what to photograph and record, and how to do it safely from the ground.