We work with all insurance companies, big or small.Insurance Claim Assistance
Not only do we work with all major national carriers, we work with every regional, mutual, and local insurance company. And when we rebuild your property, our in-house large-loss estimating and claim documentation doesn’t cost you a single penny extra.
Keep 100% Of Your Claim Money For Your Rebuild
Why give up 10% of your insurance payout to a middleman when the estimators public adjusters rely on are already under our roof?
Skip the 10% Public Adjuster Fee
Public adjusters typically charge 10% (or more) of your total insurance payout. On a major fire, water, or storm loss, that is thousands—or tens of thousands—of dollars taken straight out of your rebuild budget.
Even Public Adjusters Rely on Our Estimators
Public adjusters have hired and worked with Big Shot Roofing & Restoration in the past to write detailed Xactimate scope estimates and uncover overlooked line items for their own clients. We have that exact large-loss estimating expertise right inside our building.
Doesn’t Cost You a Penny When We Rebuild
When you choose Big Shot to restore and rebuild your property, our comprehensive loss documentation, line-item scope estimating, and direct coordination with your carrier adjuster doesn’t cost you a single penny extra. 100% of your claim payout stays in your rebuild.
Your True One-Stop Shop (All Insurers, Big or Small)
From 24/7 emergency board-up, tarping, and mitigation to detailed large-loss estimating, supplements, and turnkey reconstruction—one call handles it all. And not only do we work with all major carriers, we work with all insurance companies, big or small.
Agreed Scope Advocacy & Last-Resort Appraisal Services
Whether your policy is with a major national carrier or a smaller regional, mutual, or local insurance company, our in-house estimating and restoration team documents every detail at zero extra cost when we perform your rebuild.
What if the carrier still disagrees on scope? In the event that we cannot come to an agreed scope of work with the insurance company, Big Shot also offers appraisals. However, this is strictly a last resort—and because of our thorough line-item documentation, rarely do we ever have to invoke an appraisal.
How We Help With Your Claim
Four steps from the first call to a restored home—your true one-stop shop from emergency mitigation to final rebuild.
Inspect & Document
We inspect and document the damage with photos, measurements, and detailed notes.
File & Communicate
You file the claim, and then we take it from there and communicate directly with your insurance company.
Detailed Estimate
We provide a detailed estimate so you know exactly what to expect.
Restore Your Property
We restore your property the right way. We work for you, not the insurance company.
We work for you, not the insurance company.
Our Promise To You
24/7 Response
We respond day or night when you need us most.
Insurance Experts
We know the process and meet your insurance standards.
Less Stress
We handle the details so you can focus on what matters.
Quality Restoration
We restore your home like it never happened.
We're Here To Help 24/7Call now for immediate assistance
Call Now 1-877-442-5550Companies We Work With
Not only do we work with all major national carriers, we work with all insurance companies, big or small—including regional, mutual, and local insurers.
- State Farm
- Allstate
- Progressive
- USAA
- Liberty Mutual
- Nationwide
- Farmers
- Erie Insurance
- Cincinnati Insurance
- Grange Insurance
- Auto-Owners Insurance
- Motorists / Encova
- Westfield Insurance
- Celina / Buckeye Mutual & All Regional Insurers
We work with every homeowner and commercial insurance company, big or small. Carrier names are trademarks of their respective owners and are shown as examples of insurers whose claims we handle.
Insurance Claims FAQ
Do I need to hire a public adjuster, or does Big Shot handle the full estimate and scope?
When you hire Big Shot Roofing & Restoration to rebuild your property, you do not need to give up 10% or more of your claim payout to a public adjuster. In fact, public adjusters have relied on our in-house estimators in the past to write detailed large-loss scopes and uncover missed restoration items for their own clients. When we perform your restoration and rebuild, our comprehensive Xactimate estimating, photo/drone documentation, and direct adjuster coordination do not cost you a single penny extra—so 100% of your insurance payout goes directly into rebuilding your property.
Do you work with all insurance companies, big or small?
Yes! Not only do we work with all major national carriers, we work with all insurance companies, big or small—including regional, mutual, farm bureau, and local insurers across Ohio, Kentucky, and Indiana.
Will my insurance cover restoration work?
Most standard homeowner policies cover sudden and accidental damage from water, fire, wind, hail, and fallen trees. We work with all insurance companies, big or small, and help you understand exactly what your policy covers before work begins.
What is the difference between ACV and RCV?
Actual Cash Value (ACV) accounts for depreciation, while Replacement Cost Value (RCV) covers the full cost to replace items at today's prices. Most policies use RCV, which means you may receive a depreciation holdback that is released after repairs are completed.
What if we cannot come to an agreed scope of work with the insurance company?
Because our estimators provide exhaustive photo, drone, moisture, and Xactimate line-item documentation, we almost always reach a full agreed scope of work directly with your insurance carrier. However, in the event that we cannot come to an agreed scope of work with the insurance company, Big Shot Roofing & Restoration also offers insurance appraisals. Appraisal is strictly a last resort, and rarely do we ever have to invoke an appraisal.
Do I have to pay my deductible?
Yes, your deductible is your contractual obligation to your insurance company. We never waive or absorb deductibles as this is insurance fraud. We help ensure your claim covers the full scope of work beyond your deductible.
How does the insurance claims process work with Big Shot?
We inspect your property and document all damage with photos and measurements. You file the claim with your carrier, and then we take it from there—communicating directly with your insurance company, meeting your adjuster on-site, and completing the full restoration so you only deal with one contractor from start to finish.
One Call. Complete Restoration.
Headquartered in Dayton & serving the entire Miami Valley 24/7. We've Got You Covered.
1-877-442-5550Local Dayton & Miami Valley Direct Line: (937) 442-5550 · Both lines connect directly to our dispatch team.