Scranton Roof Pros provides professional insurance claim help in Scranton, PA for residential and commercial properties across the Lackawanna Valley. The most useful thing on this page costs about forty-one dollars a year and pays us nothing at all. If you own a building in this valley and have never bought the Commonwealth's mine subsidence policy, that is the sentence worth acting on today.
Here is the position. Pennsylvania property policies exclude subsidence and mine water. The Department of Environmental Protection has sold a separate policy since 1961 to fill exactly that hole. Coverage runs from five thousand dollars to a million, priced at roughly twenty-seven cents per thousand, so a hundred and fifty thousand is about forty-one dollars and the top of the range about two hundred and fifty-four.
It is worth knowing that other coal states solved this differently, because advice written for them does not apply to you. Illinois requires insurers to build the coverage into policies across thirty-four designated counties unless the owner waives it in writing, so a homeowner there usually has it without asking. Pennsylvania puts nothing on your policy. You buy it or you do not have it.
What it pays for is the building and its appurtenances when ground moves because coal or clay workings collapsed, or because mine water broke out suddenly and unexpectedly. Appurtenances share a limit of ten percent of the coverage amount. Sinkholes from limestone weathering are not covered, and neither is personal property. The department suggests insuring at replacement value plus about twenty percent. Read the exclusions once. They are short and they are clear.
Timing is the trap. The board will not issue on a structure whose integrity is already compromised until the damage is repaired as it directs, and on lesser damage it wants the work done or a credible expert's written estimate of it. Waiting until something has gone wrong is exactly when the door closes, which is why we push this before we push anything of ours. Buy it while nothing is wrong, which is the only easy time.
Our own role stops at evidence. This is a roofing company, so we settle nothing, negotiate with nobody and promise no outcome to anyone. What we produce is a documented damage pattern, the mine viewer result and the map sheet for your address, dated photographs numbered to a sketch of the roof, and a written repair scope. All of it is handed over whether or not you hire us.
Our licensed and insured team brings the right materials and equipment to every job — a DEP mine viewer result recorded with the map sheet number, square-edge board sheathing gauged for nail withdrawal before tear-off, SBS-modified laminated shingles chosen for cold-weather flexibility, self-adhered membrane lapped up the party wall of a double block, W-profile valley metal formed with a raised center rib, eave intake cut into a boxed cornice that never had a soffit — and backs the work with a written workmanship warranty. We serve Scranton and nearby communities including Dunmore, Carbondale, Old Forge, Pittston.
What We Handle
Everything our insurance claim help in Scranton covers
One crew, one point of contact, and the full range of insurance claim help work in Scranton, PA. If it is on this list we do it in house rather than handing it to a subcontractor:
- roof insurance claim help
- mine subsidence insurance Pennsylvania
- storm damage claim documentation
- roof claim denied
- adjuster roof inspection
- supplement documentation
- DEP mine subsidence policy
- insurance claim photographs roof
- homeowner policy roof coverage
- subsidence coverage limits
- claim evidence file
Not sure which one describes your situation? Describe it in plain words and we will sort it out — or browse the rest of our Scranton services.
Materials, equipment and how we do insurance claim help
The difference between insurance claim help that lasts and insurance claim help that gets redone in three years is almost always preparation and materials, not the finish you see on day one. We work with a DEP mine viewer result recorded with the map sheet number, square-edge board sheathing gauged for nail withdrawal before tear-off, SBS-modified laminated shingles chosen for cold-weather flexibility, self-adhered membrane lapped up the party wall of a double block, spec them to the job instead of to the invoice, and write the material grades into the free estimate so you know exactly what you are buying.
Every Scranton job runs the same way: site walk and measurements, written scope and fixed price, protection of the surrounding area, then the work itself with a daily clean-up. Years of roofing work in the Lackawanna Valley means we have already met whatever your property is going to throw at us — awkward access, older construction, an HOA with opinions.
Where we do insurance claim help outside Scranton
Scranton Roof Pros covers Scranton and the surrounding communities of the Lackawanna Valley. Crews run out to the same nearby cities every week, so an out-of-town job does not mean an out-of-town price.
- Insurance Claim Help in Dunmore, PA — Lackawanna County, population 14,042
- Insurance Claim Help in Carbondale, PA — Lackawanna County, population 8,828
- Insurance Claim Help in Old Forge, PA — Lackawanna County, population 8,497
- Insurance Claim Help in Pittston, PA — Luzerne County, population 7,591
- Insurance Claim Help in Archbald, PA — Lackawanna County, population 7,297
- Insurance Claim Help in Blakely, PA — Lackawanna County, population 6,657
Start on the Scranton Roof Pros homepage for a free estimate, or call (844) 511-2320 and describe the job.
Why Scranton Chooses Scranton Roof Pros
- ✓We look your address up on the department's mine viewer before we quote, because in this valley the answer changes whether a roof is the right thing to buy this month at all.
- ✓Pennsylvania sells subsidence cover separately instead of writing it into your policy the way the statute does in Illinois, so here the first question is whether any coverage exists, not which of two perils to file under.
- ✓On a house with a mapped void and no policy we will hand you the department's phone number and leave without a signed contract, because forty-one dollars a year outranks anything on our price list.
- ✓We refuse to coat over a split detail. Beyond hiding evidence, unrepaired damage can block the Commonwealth from issuing a policy at all until the repairs are made as its board directs.
The standards behind insurance claim help
Quality here is not a matter of opinion — it is written down. The insurance claim help work we do in Scranton follows published industry standards: NRCA publishes the Roofing Manual, the industry's reference for details and slope minimums, and Asphalt Roofing Manufacturers Association sets the shingle application and ventilation guidance the warranties reference. If a contractor cannot tell you which standard a detail comes from, that is worth asking about before you sign.
Every insurance claim help project in Scranton gets the same attention, whether it is a single room or a full commercial job. We show up on schedule, keep the site clean, and stand behind the work — the estimate is free and there is no pressure.
Ready to get started? Call (844) 511-2320 for a free insurance claim help free estimate in Scranton, or request a quote and we'll get right back to you.