Question 1

Can you scale for a major storm event?

Accepted Answer

Yes. After major Lexington-area storms we expand crews and equipment to maintain response times.

Question 2

Do you handle multi-building portfolios?

Accepted Answer

Yes - property managers and REITs are a core commercial customer for us.

Question 3

What happens in the first 24 hours after a major storm?

Accepted Answer

Stabilization first - emergency board-up, roof tarping, and water mitigation to stop secondary damage. Then full documentation for your carrier. Sequencing matters: rebuilding before stabilization almost always increases the total claim.

Question 4

Do you cover hail damage to commercial roofs?

Accepted Answer

Yes. We coordinate licensed Kentucky roofing partners for inspection, document hail strike density, and handle the interior water mitigation if the roof was breached. Hail claims have strict reporting deadlines - file promptly.

Question 5

Can you tarp a low-slope or commercial flat roof?

Accepted Answer

Yes. We use heavy-duty reinforced tarp systems with proper lath fastening that hold through Kentucky weather for 30-90 days while permanent roof repair is scheduled.

Question 6

How do you handle wind vs flood damage on the same loss?

Accepted Answer

We document each peril separately. Wind and hail are typically covered under standard commercial policies; rising surface water requires NFIP commercial flood insurance. Clean separation prevents claim disputes.

Question 7

What about lightning and electrical surge damage?

Accepted Answer

We coordinate with licensed electricians for system assessment, document any structural fire from a strike, and handle the smoke and water mitigation under the property claim.

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