Commercial Storm Damage and Insurance Claim Help in Prince George's & Montgomery County, MD

A storm hits your building. Now you have a damaged roof, a business to run and a claim to file. Comeback Construction is a Maryland licensed contractor, MHIC #166936. We document the damage, help you through each step of the claim, and repair the building. You stay in charge of your claim from start to finish.

What we can and cannot promise

Your business or property insurance may cover storm damage. We cannot promise that. Your insurance company decides what it covers and what it pays. What we can promise is clear documentation, a plain explanation of the process and an honest estimate for the repair.

We visit first

We come to the property, walk it and inspect the roof, siding, gutters, windows and anything else the storm touched. We take photos of every damaged area and note what we find. The site visit is free, and you get the photo report whether you hire us or not.

How a commercial claim usually goes

1. We inspect the property and document the damage with photos and notes.
2. You get the photo report in plain words.
3. You decide whether to file a claim.
4. You contact your insurance company or your agent. We explain what to expect and what the adjuster will look for.
5. The adjuster visits. We can walk the property with them if you want us to.
6. Your insurance company decides. You get our written estimate for the repair, labor and materials.
7. You approve the work and we build.

Temporary protection first

If the building is open to the weather, we protect it first. We cover damaged roof areas and secure openings so rain does not do more harm while the claim is in progress. A tarp that goes up the same week can save thousands in interior damage.

What helps your claim

• Photos of the damage with dates, as soon as it is safe to take them.
• A record of when the storm happened and when you found the damage.
• Your policy documents, including the deductible.
• Notes on any interior damage, such as stained ceilings or wet stock.
• A written estimate from a licensed contractor.

We help you collect the photos, the notes and the estimate. If you are not sure whether a stain or a missing shingle counts as storm damage, ask. A free visit answers that question before you decide anything.

Document the damage safely

Do not climb on a damaged roof to take pictures. Photograph from the ground, from windows and from inside the building. Capture wide shots that show the whole area and close shots of specific damage. Include the date. Keep water-damaged items if you can, and write down what was lost. If a ceiling is sagging, keep people away from that area. We take the roof photos safely when we visit.

Interior damage and lost business

Roof and wall damage often shows up inside first. Stained ceilings, wet stock, damaged equipment and closed areas all belong in the record. Write down what you lost and how long an area was out of use. Your policy decides what counts and what it pays. A clear record helps you and your adjuster talk about the same facts.

Be careful who you hire after a storm

After a big storm, crews knock on doors and leave flyers. Some are good. Some disappear after they take a deposit. Before you sign with anyone, ask for the Maryland license number and look it up. Ask for the estimate in writing, with labor and materials listed. Ask what the warranty covers. Do not sign anything that gives a contractor the right to deal with your insurer in your place. Ours is MHIC #166936.

How long it takes

The timeline depends on the damage and on your insurer. The inspection and the photo report usually come first, within days of your call. The insurance decision sets the pace after that. We keep you posted at each step and we start the repair when you approve it.

Property managers, landlords and HOAs

Claims for multi-unit buildings and HOA properties often involve several people: the owner, the board, the manager and the insurer. We keep the documentation clear so everyone sees the same facts. If you manage multiple properties after a storm, tell us. We inspect them in one trip and give you a written plan, in priority order.

The repair

Once your insurer decides, we repair the building. That may mean roof repair or replacement, siding, gutters, windows and doors. One crew does the work under one plan, and you get Friday photos and a short text. The estimate lists labor and materials, and every project has a 5-year warranty on labor and materials.

Plan for the deductible

Most commercial policies carry a deductible, and some carry a separate, higher one for wind or hail. Check yours before the adjuster arrives so the numbers do not surprise you. The deductible is yours to pay. We explain how it fits into the repair estimate and what the adjuster's decision means for your next step.

What we do not do

We do not tell you what your insurance will pay. We do not offer to waive your deductible. We do not promise approval of a claim. We tell you what we find, we explain the process and we build what you decide to build.

Licensed and insured

We are licensed in Maryland, MHIC #166936. License and insurance papers come with your first quote.

Common questions