Snow & Sons is owned by a licensed insurance adjuster with 13+ years of carrier-side experience. We don't just file your claim — we document it, advocate it, and translate it so you get paid fairly the first time.
Talk About My ClaimMost homeowners go through one or two roof insurance claims in their lifetime. Their carrier processes thousands a year. The adjuster reviewing your damage knows exactly what to look for, what to value, and what to deny. Without someone in your corner who understands the same playbook, it's not a fair conversation.
Crystal Snow spent 13+ years as a licensed insurance adjuster before founding Snow & Sons. She knows what carriers look for, what triggers a denial, what documentation gets a claim approved, and how to value scope-of-work line items the way an adjuster will read them. That experience is the single biggest financial advantage we offer storm-damaged homeowners.
Whether you've already filed and gotten lowballed, or you're just realizing your roof took damage in the last storm, here's how the process works with us.
We walk your roof, photograph every issue, and produce a written damage assessment.
Itemized line items priced the way carriers value them — not vague summary numbers.
We help you file a new claim or supplement an existing one with additional documentation.
We attend the field inspection with your carrier's adjuster to ensure nothing gets missed.
We explain what's covered, what isn't, and what your options are — in plain English.
Once the claim is approved, we execute the work to the scope and standard agreed.
When applicable, we help you complete the steps required to recover withheld depreciation.
Insurance carriers process thousands of claims a year. Most homeowners process one or two in a lifetime. That asymmetry stops the moment a licensed adjuster is on your side of the table.
We don't promise to "get your roof covered" when there's no damage. We don't manufacture claims. We don't pressure homeowners to file a claim that won't go anywhere. If your damage is real and covered, we'll make sure your carrier sees it the way it should be seen. If it isn't, we'll tell you that, too.
This is one of the most common reasons homeowners call us. Initial denials and underpayments happen for documentable reasons — often missing scope items, valuation disputes, or insufficient supporting photography. Many can be successfully challenged with proper supplementation. Call us before you accept a number you don't think is fair.
No. In fact, we usually recommend the opposite: have us inspect first, document any damage, and then make an informed decision about whether to file. Filing claims that won't be approved doesn't help anyone, and Florida insurers track claim history.
Often yes. Many initial denials are based on incomplete documentation or misclassification of damage. With proper supplementation — more thorough photography, written scope, and the right industry language — denials can frequently be overturned. Call us with your denial letter in hand.
We are a roofing contractor — not a public adjuster — and our role is to document and execute the roofing work. Crystal's adjuster background simply means we understand the claim process intimately and can prepare documentation that supports your claim. If you need a licensed public adjuster, we can refer you to professionals we trust.
No. Initial consultation, inspection, and damage documentation are free. If you choose to have us execute the resulting work, our pricing is itemized and transparent. We do not work on contingency or take a percentage of your claim payout.
Florida has specific statutory deadlines for property insurance claims, and these have changed in recent years. Currently you generally have one year from the date of loss to file an initial claim. Don't wait — get inspected and documented as soon as possible after a suspected loss event.
Send us the basics. We'll call back and give you a straight read on your options — free, no obligation.
We'll be in touch shortly. For urgent needs call (407) 229-7669.
Many denials are reversible with proper supplementation — and the consultation is free.
