Sasha Patel
Insurance and Storm Specialist · Local Roofing Help
Sasha covers storm-damage claims, ACV vs RCV settlement math, and state-specific filing windows. Her work cross-references the NOAA Storm Events Database and the National Association of Insurance Commissioners model rules.
Areas of expertise
- homeowners insurance
- wind damage claims
- hail damage claims
- appraisal clause
- NOAA Storm Events
- ACV vs RCV
Local Roofing Help reviews and updates every guide quarterly. See our editorial policy for how we source, fact-check, and correct content.
Guides by Sasha
- Does Insurance Cover Roof Replacement
Everything homeowners need to know about does insurance cover roof replacement. Sourced from licensed roofers and primary building-code references. Get.
Last reviewed 2026-05-08
- ACV vs RCV Roof Insurance: Settlement Math and Endorsements
Actual Cash Value vs Replacement Cost Value on a roof claim. How the recoverable depreciation workflow pays the second check, and when to upgrade your endorsement.
Last reviewed 2026-05-12
- Roof Insurance Claim Deadlines: State-by-State Notice Windows
Policy notice windows, state statutes of limitations, and hurricane and named-storm deadlines for roof insurance claims. Florida, Texas, Louisiana, and the rest of the hail and hurricane belt.
Last reviewed 2026-05-12
- Insurance Adjuster Roof Meeting Checklist for Homeowners
What to bring, what to ask, and what to push back on at the insurance adjuster's roof inspection. The single highest-stakes hour in any roof claim.
Last reviewed 2026-05-12
- Roof Deductible by State: Wind, Hail, and Hurricane Math
Wind/hail and hurricane deductibles by state. How percentage-of-dwelling math works, what triggers a named-storm deductible, and how to lower your effective deductible at renewal.
Last reviewed 2026-05-12
Blog posts by Sasha
- Wind vs. Hail Damage Claims: How Insurers Distinguish Them and Why It Matters for Your Roof Coverage
How adjusters tell wind from hail, why it changes your deductible and ACV vs RCV settlement, and how to document a claim that survives the first scope.
Last reviewed 2026-05-09
- 2026 IRS Section 25C Energy-Efficient Roofing Credit: What Qualifies and What Doesn't
30 percent federal credit on qualified energy-efficient roof material, capped at $1,200 per year. Energy Star certification is the gate; labor and standard shingles do not qualify.
Last reviewed 2026-05-09