Storm Restoration Insurance for Contractors Who Chase the Storm
Hail damage, wind restoration, and multi-state roofing contractors — A-rated GL, workers' comp Class 5551, bonds, and commercial auto. 15-minute quotes.
Everything a Storm Restoration Contractor Needs
One agency, the full stack of coverage — underwritten by carriers that understand roofing and storm work.
An Insurance Partner That Actually Gets Storm Work
Most agents see "roofer" on an application and panic. We see a business to protect. For 20+ years we've specialized in the trades everyone else declines — and storm restoration is right in our wheelhouse.
We Were Contractors First
Founder Josh Cotner ran a contracting business before insurance. We know what a COI deadline, an additional-insured endorsement, and a 7am tear-off actually mean to your day.
Multi-State Storm Expertise
Storm work doesn't respect state lines. We structure GL, comp, and auto so you stay compliant the moment you cross into the next hail market — no coverage gaps.
A-Rated Carriers Only
We place your business with financially strong, A-rated carriers that actually pay restoration claims — not the cheapest paper that disappears after a major loss.
2-Hour Claims Response
When a ladder slips or a truck gets hit chasing a storm, you reach a human fast. Guaranteed 2-hour claims response, 24/7 reporting.
How It Works
From first call to bound coverage in as little as one business day.
Call or Submit
Tell us your trade, states, payroll, and fleet. Two minutes by phone or a quick online quote form — that's all we need to start.
We Match Carriers
We shop your account across our A-rated storm and roofing markets to find the right coverage at the right price — no generic quotes.
Coverage in 24 Hours
Bind fast and get your COIs the same day in most cases. You're protected and ready to chase the next storm.
Years Specializing in the Trades
Contractors Protected
States Licensed
Claims Response Guarantee
Contractors Who Chase Storms Trust Us
“We run crews in five states during hail season. CCA is the only agency that didn't blink when I said 'storm restoration.' They had our comp and GL structured for multi-state in two days.”
“Our old agent rated us wrong on the 5551 class and we overpaid for years. Josh's team fixed the classification and got us A-rated paper. Saved real money and the COIs come back same-day.”
“A ladder slipped on a steep tear-off and we had a claim by noon. I called and had a human on the phone inside the hour. That 2-hour promise is real — it mattered when it counted.”
Licensed and Writing Policies in All 50 States
Chase the storm wherever it lands. We follow your crews across state lines and keep your coverage compliant. States in amber are core hail-alley markets we write heavily.
Storm Restoration Insurance — Common Questions
Class 5551 is the NCCI roofing classification — the rating bucket carriers use to price comp for crews that work at height on roofs. It carries one of the highest base rates of any trade because of fall exposure, so correct classification (and correct payroll splits for ground vs. roof work) is critical. We make sure you're rated accurately so you don't overpay or risk an audit surprise.
Get Your Free Storm Insurance Quote Today
15-minute quotes. A-rated carriers. Coverage that follows your crews across every state line.