Upload inspection photos.
Get a forensic report in 5 minutes.
AI annotates every photo, cites building codes, and builds your Xactimate estimate — so your reps don't have to. No training. No onboarding. Just upload and go.
No credit card. No onboarding. Upload photos and go. Already have an account?
Integrates with
Nobody Trusts You
Homeowners don't trust you. Insurance adjusters don't trust you. And right now, you're giving them every reason not to.
The Homeowner Problem
Homeowners Don't Trust You
Roofing is the #1 most-complained industry on the BBB — 3,392 complaints in a single year
of homeowners say poor communication is their #1 frustration with contractors
7 contractors knocked on Mrs. Jones' door this week. 4 of them told her they saw damage but didn't show her anything. 1 texted her a couple photos. 1 told her he'd be sending something — she hasn't received it yet.
And then you provided her a highly detailed forensic report and an itemized scope of work.
Who do you think Mrs. Jones is going to work with?
The Adjuster Problem
Insurance Adjusters Don't Trust You
of hail and wind claims are submitted without any inspection report or evidence package
Claims submitted with a detailed evidence package are 4x more likely to be approved from the start
Show the adjuster the damage before they even step foot on the property. Code citations, forensic annotations, NOAA storm data — already compiled and waiting in their inbox.
You already did the hard part — getting the lead and inspecting the roof. Why not 4x the results?
Don't expect adjusters and homeowners to take your word for it.
Stand out from your competition by submitting detailed, sophisticated forensic inspection reports. You already took the photos. You already have the measurements. Just upload them to dumbroof.ai and watch your revenue explode.
Don't Tell. Prove.
Homeowners don't trust storm chasers. Carriers dismiss sloppy supplements. So we built documentation so thorough, so forensic, so code-cited that it speaks for itself.
What Estimate Services Do
- ✕Write numbers on a spreadsheet
- ✕No photos, no code citations, no forensic analysis
- ✕No carrier-specific strategy or intelligence
- ✕Adjuster sees it, ignores it, moves on
What Dumb Roof Generates
- ✓Forensic report with annotated photos tied to specific damage
- ✓Every line item paired with building code + photo evidence
- ✓Carrier-specific playbooks that learn from every claim
- ✓Package so thorough it would hold up in front of a carrier litigation attorney
The real difference: Other services write estimates. We build forensic evidence chains — pairing specific building code citations to specific photos to specific line items. That's what makes carriers move. That's what makes adjusters take you seriously. That's what separates you from every other contractor knocking on doors after a storm.
No credit card. No onboarding. Just upload photos.
How It Works
Four steps. Fifteen minutes. Every rep on your team performs like a 20-year insurance veteran.
Upload
Drop in your measurements, inspection photos, and carrier scope (if you have one). That's it.
AI Analyzes Everything
Reads every document. Analyzes every photo forensically. Cross-references building codes. Checks carrier playbooks. Builds the evidence chain.
Download Your Package
Get back up to 5 professional PDFs branded with your company logo. Forensic report, estimate, supplement, appeal letter, and cover email.
Enjoy Your Dashboard
Email automations, invoice follow-ups, carrier response tracking, damage scores, fraud alerts, and RICHARD — all running while you’re on a roof.
30 seconds to sign up. Upload photos. Done.
The 6-Document Package
Every document forensic-grade, code-cited, and branded with your company logo.
Forensic Causation Report
Photo-annotated damage report with clinical observations. Every finding tied to HAAG engineering standards.
Xactimate-Style Estimate
Line-item scope at current regional pricing. Every line item backed by building code citations and photo evidence.
Carrier Comparison
Line-by-line carrier vs. your scope. Quantity-focused with EagleView formulas and code citations.
Supplement Letter
Formal response citing building codes, insurance regulations, and forensic evidence. Written to move adjusters.
Cover Email
Ready-to-send email with professional tone, attachment summary, and regulatory response deadline.
Code Compliance Report
Annotated 3D house rendering with code callouts. Installation diagrams showing correct vs incorrect. Manufacturer warranty citations.
Real Results. Real Claims. Real Carrier Movement.
Not projections. Documented carrier movement from actual claims.
Dumb Roof vs. The Old Way
| Traditional | Dumb Roof | |
|---|---|---|
| Time per claim | 1-3 months | 15 minutes |
| Cost per claim | Xactimate license + hours of labor | Pennies per claim |
| Documents generated | 1 estimate (maybe) | 5 forensic-grade PDFs |
| Code citations | Rarely included | Every line item cited |
| Photo evidence | Unlabeled photos | Forensic annotations tied to line items |
| Carrier intelligence | Start from scratch every time | Self-learning playbooks |
| Training required | Years of insurance experience | Upload and click |
| Rep turnover risk | Knowledge walks out the door | System stays. Forever. |
Real result from last week
Carrier scope: $20,469
After DumbRoof: $943,233
See What You're Leaving on the RoofSame claim. Same house. Different result.
Meet RICHARD
Your AI Claims Assistant — Voice-Activated, Always On
RICHARD knows every detail of every claim your company has ever processed. Every photo, every line item, every carrier response, every code citation. And he takes orders by voice.
Talk to RICHARD
“Richard, send the supplement to Erie on the Johnson claim.”
Supplement package compiled from your photos, estimate, and code citations. Sent to the adjuster on file. Follow-up sequence activated.
“Richard, what’s the status on 42 Oak Street?”
Carrier received the supplement 6 days ago. No response. Auto-escalation email goes out tomorrow. Damage score: 82. Technical boost: 71.
“Richard, draft an invoice for the Martinez build.”
Invoice generated from the approved scope. Certificate of completion attached. Sent to the homeowner and carrier. Payment follow-up scheduled for Day 7.
“Richard, what code requires ice & water shield on this roof?”
RCNYS R905.1.2 — ice barrier required from eave edge to min. 24” past interior wall line. Your photos show it’s missing. Already cited in the forensic report.
What RICHARD Knows
Every Claim
Full history — photos, line items, carrier responses, scope comparisons, damage scores, email threads
Every Code
Building codes by state, county, and municipality. RCNYS, IRC, IECC — cited automatically when relevant
Every Carrier
Self-learning playbooks that track how each carrier responds, what they deny, and what arguments win
Every Photo
140,000+ training photos. Knows the difference between hail hits on 3-tab vs. architectural vs. EPDM vs. slate
Your Schedule
Knows which follow-ups are overdue, which installs are pending, which invoices are unpaid
Your Voice
Understands natural speech from a truck cab, a rooftop, or a job site. No typing. No app. Just talk.
RICHARD Coaches Your Reps in the Field
If your photos aren't showcasing the damage, RICHARD tells your rep exactly what to go back and get. No guessing. No missed documentation. No money left on the roof.
“Get closer photos of the north slope eave line.”
RICHARD detected potential ice dam damage but your wide shots don’t show it. He needs 3 close-ups within 2 feet of the eave.
“Do a chalk test on the counter flashing at the chimney.”
The metal flashing shows possible impact marks but RICHARD can’t confirm severity from a photo alone. A chalk circle test proves functional damage the carrier can’t deny.
“Photograph the drip edge from below — I need to see the fastener pattern.”
RICHARD found a code violation — the drip edge appears face-nailed instead of top-nailed. One photo confirms a code-required replacement the carrier is currently excluding.
“Get a shot of the shingle exposure with a tape measure.”
Exposure looks under 5” which makes individual shingle repair impossible. That one photo changes the entire claim from repair to full replacement.
“Photograph both layers at the tear-off edge.”
The carrier scoped for one layer. Your crew just found two. RICHARD needs the photo to auto-generate the supplement before the dumpster leaves.
“Get a wide shot showing the missing house wrap at the corner.”
Code R703.1 requires a weather-resistant barrier. This single photo adds house wrap, corner boards, and wall flashing to the scope — potentially $3,000+ the carrier excluded.
Automatic Damage Thresholds
RICHARD doesn't just look at your photos — he cross-references NOAA storm data for your exact location. If the National Weather Service recorded 1.5" hail in your county on the date of loss, RICHARD already knows what damage to expect and flags anything your photos are missing.
< 1” Hail
Cosmetic damage likely. Soft metals (vents, gutters) show first. Shingles may show granule displacement only.
Document soft metal impacts + gutters. Chalk test all vents.
1” – 1.5” Hail
Functional damage threshold. Shingles show mat fracture. Collateral damage to siding, window screens, AC fins.
Full roof + all elevations. Shingle close-ups with quarter reference.
1.5” – 2” Hail
Severe functional damage. Cracked shingles, split felt, bruised decking. Ridge caps and pipe boots compromised.
Document everything. Ridge cap pulls, pipe boot close-ups, attic photos if accessible.
> 2” Hail
Catastrophic. Full replacement expected. Interior damage likely. Gutters destroyed, fascia cracked, window damage.
Interior + exterior full documentation. Measure dents for diameter. Get hail stone photos if available.
Thresholds auto-calibrated by NOAA Storm Events Database. Wind speed, hail diameter, and event duration are pulled for your exact county and date of loss.
Your best insurance rep took years to build. RICHARD has all of that knowledge on day one — and he never leaves, never forgets, and never stops following up. He just needs your voice.
You're Not Working From a Desk
Carrier-side adjusters sit at desks all day. You're on a roof. You don't have time to send three follow-up emails asking if they received the invoice you submitted two weeks ago. So it doesn't get done. And you don't get paid.
What's Actually Happening
You submitted the certificate of completion. Nobody acknowledged it.
You sent the invoice. It’s been 14 days. No response.
The supplement was sent. The adjuster “never received it.”
Your office manager quit. Nobody picked up the follow-ups.
You’re on a roof right now reading this. That’s the point.
What Dumb Roof Automates
Email Automation
5-touchpoint escalation that sends itself. Professional on Day 0, receipt confirmation on Day 3, firm on Day 7, regulatory citation on Day 15, demand on Day 20. Every supplement, every COC, every follow-up — sent and tracked without you touching a keyboard.
Invoice Automation
Certificate of completion, final invoice, and payment reminders — all auto-generated from your install photos and auto-sent on schedule. Follows up politely until acknowledged. No office manager required.
Photo Evidence Recall
Every photo your team uploads is analyzed, tagged, and linked to specific line items. When the carrier says “show me the damage,” the evidence is already attached — matched by trade, material, and severity.
Photo → Code Compliance Citations
Your photos trigger automatic building code lookups. A photo of missing ice & water shield doesn’t just get annotated — it gets cited with the exact RCNYS section that requires it. Every photo becomes a code violation the carrier can’t ignore.
Not Your Basic Automation
Live Evidence Recall
Incoming Email — Insurance Adjuster
David Chen — Field Adjuster, Erie Insurance
Re: Claim #ERI-2026-04821 — 147 Oakwood Dr, Syracuse NY
“After completing my inspection, I found no storm-related damage to the left elevation siding. The scuff marks observed appear consistent with normal weathering and are not indicative of hail or wind impact. The siding on this elevation is not included in the approved scope of repairs.”
RICHARD analyzing adjuster denial...
Evidence Recall — Left Elevation Siding — 4 Photos Matched
IMG_0847.jpg
Hail Impact — Left Elevation
3/4” diameter impact fracture on vinyl siding panel, 6ft from grade. Circular pattern inconsistent with weathering.
Damage Score: 78
IMG_0849.jpg
Chalk Test — Left Elevation
Chalk circle test on J-channel showing dent displacement of 2mm+. Functional damage confirmed.
Damage Score: 84
IMG_0852.jpg
Pattern Density — Left Elevation
Wide shot showing 8+ impacts per 10 SF test square. Exceeds carrier’s own threshold for replacement.
Damage Score: 91
IMG_0855.jpg
Code Violation — House Wrap
Missing WRB visible behind cracked panel. R703.1 requires weather-resistant barrier. Adds house wrap + flashing to scope.
Code: RCNYS R703.1
Auto-Generated Response — Ready to Send
Re: Claim #ERI-2026-04821 — Left Elevation Siding Documentation
To: David Chen — Erie Insurance
Mr. Chen, attached please find four photographs documenting storm-related damage to the left elevation siding at 147 Oakwood Dr.
Photos IMG_0847 and IMG_0849 show circular impact fractures and positive chalk test results on the J-channel, confirming functional hail damage inconsistent with normal weathering. IMG_0852 documents impact density exceeding 8 hits per 10 SF test square.
Additionally, IMG_0855 reveals a missing weather-resistant barrier behind the damaged panel, constituting a code violation under RCNYS R703.1. Code-compliant installation requires house wrap and wall flashing be included in the approved scope.
4 attachments • Forensic annotations included • NOAA Storm Event #2026-NY-04821 referenced
From adjuster denial to documented rebuttal with photos, annotations, code citations, and NOAA storm data — before you even read the email.
Your First Slate Claim? No Worries.
Dumb Roof knows materials your reps have never seen.
Upload a photo of a slate roof and Dumb Roof will identify the specific style, trace it to the quarry it came from, approximate its age, and describe the damage using the exact technical terminology that carriers and engineers expect. Your rep doesn't need to know the difference between a Peach Bottom and a Buckingham — Dumb Roof does.
Slate
Identifies quarry origin (Vermont, Buckingham, Peach Bottom), thickness class, expected service life, and whether individual slate repair is feasible or full replacement is required.
Clay & Concrete Tile
Distinguishes barrel, flat, S-tile, and interlocking profiles. Identifies manufacturer patterns, color fade vs. impact damage, and hidden underlayment failures.
EPDM & TPO
Differentiates hail bruising from thermal cracking, identifies seam failures vs. punctures, and flags UV degradation patterns that weaken claims.
Metal Panels & Standing Seam
Detects panel gauge, identifies oil-canning vs. hail dents, documents chalk test results, and cites manufacturer warranty thresholds for functional damage.
140,000+ training photos across every roofing material in North America. Your rep uploads the photo. Dumb Roof writes like a 30-year forensic engineer.
A Tuesday With Dumb Roof
7:00 AM
Your PM gets a pre-install checklist
Dumb Roof texts your project manager: get photos of the existing layers, flashing condition, and any code-required items before tear-off begins.
9:15 AM
“Yesterday’s build had 2 layers. Did you forget to supplement it?”
Dumb Roof already did. Your CompanyCam photos were linked, the second layer was documented, and the supplement was sent to the carrier before you finished your coffee.
2:30 PM
Install complete. PM uploads final photos.
Dumb Roof scans for additional documentation opportunities — hidden damage revealed during tear-off, code upgrades triggered by the scope of work, items the original inspection couldn’t see.
2:31 PM
Certificate of completion generated and sent
Auto-generated from your install photos. Sent to the carrier and homeowner. Follow-ups scheduled until acknowledged.
Day 3
No response? Polite follow-up sent automatically.
Day 7: firmer. Day 15: regulatory language. Day 20: demand. You never touched your keyboard.
Every email, every follow-up, every escalation — handled automatically while you're on a roof. The carriers have systems. Now you do too.
Your Reps Inspect. You See Everything.
Every inspection your team runs feeds your company dashboard with real-time damage intelligence, fraud alerts, and claim quality scores.
Damage Scores
Every inspection gets a damage score and a technical boost score. Know which claims show the most damage. Focus your team on areas with the best opportunities. Catch weak claims before your customers submit them. If your photos don't show damage — we will tell you there's no damage. We don't fabricate claims. We document what's there.
Damage Score
How severe is the actual damage?
Technical Boost
Discontinued products, code compliance requirements, and factors that strengthen the claim
Fraud Detection
Our custom fraud detection scan analyzes every photo for EXIF manipulation, GPS inconsistencies, duplicate images, and editing artifacts. Sleep well knowing your reps are not creating or exaggerating damage.
EXIF Analysis
Detects edited or manipulated metadata
GPS Verification
Confirms photos match the job site
Duplicate Scan
Flags reused photos across claims
Integrity Score
Pass/fail confidence for every photo
Your dashboard shows every claim, every score, every flag — across every rep in your company. Stop guessing which jobs are worth pursuing. Start knowing.
Built For Companies That Are Tired of Leaving Money on the Table
Roofing Contractors
You have 50 reps. Maybe 5 know insurance. This makes all 50 perform like your best insurance specialist. Every claim, every time.
PE Rollup Platforms
You're acquiring contractors doing $100-400M/year. 40% is storm-related. This standardizes insurance claims across every location you own.
Restoration Companies
Supplements are your biggest profit leak. One missed photo costs you $5,000. This catches every line item, every code citation, every time.
The Contractor's Impossible Choice
Train reps for years on insurance
It takes years to learn the full insurance process — building codes, Xactimate, supplement negotiations, carrier tactics. Just when they hit their stride...
They leave and start their own company
They take every skill you trained them on. Average roofing employee tenure: 16 months. You just funded your next competitor.
Or don't train them enough
Untrained reps miss supplements and line items. One photo could add a $5,000 line item to a claim — but they don't know to take it. Money left on every roof.
Or skip insurance work entirely
Most contractors avoid insurance claims because the process is too frustrating. That's by design — carriers built it that way.
New Hires? No Worries.
If they can take photos, they can present reports that give your company a truly competitive advantage in your market. Hire a rep today and they present your company in the manner you want, from day one.
Training Time
2+ years
Day 1
Skill Required
Xactimate + codes + negotiation
Take photos & upload
Output Quality
Depends on the rep
Forensic-grade, every time
Why Private Equity Hates Insurance Work
PE firms don't hate the money insurance claims generate — they hate the inconsistency. They hate the complexity. They hate that it takes years to train a rep who might leave in 16 months. With 25+ PE rollups now operating in roofing, the firms doing $100M-$400M/year need a system that makes insurance claims predictable, repeatable, and scalable. That's what this is.
The Problem
Inconsistent claim outcomes across 50+ reps
The Cost
25-50% revenue leakage from missed supplements
The Fix
World-class system that plugs directly into your company
Dumb Roof Repair
Patent pending technology trained on over 140,000 real before, during, and after roof inspection photos. One visit. Diagnose, present, close, collect, repair. On to the next.
Diagnostic Accuracy
Training Photos
Caught by Built-In Checkpoints
The Problem Nobody Has Solved
Service departments live and die by 1–2 techs who can diagnose a leak. Everyone else waits for instructions
Those techs quit, and your revenue stream stops. Key man risk in its purest form — and it happens every 16 months
You have 10x more tradesmen who can execute a repair perfectly when told what to do. The bottleneck was never labor — it's diagnosis
Your best roofers can often find the problem but can't present it to a homeowner in fluent English. The language barrier doesn't just limit hiring — it kills the close
What Dumb Roof Repair Does
Tech uploads photos and answers 3 questions. AI diagnoses the root cause, builds the repair scope, and generates a professional branded ticket — in minutes
Wraps the diagnosis, the sale presentation, the financial transaction, and the repair instructions into a single visit
Homeowner receives clear before-and-after documentation, clicks to approve, and payment processes automatically — contactless, professional, done
Built-in checkpoints flag the 2% of edge cases for human review. Nothing gets through that shouldn't
Why Nothing Like This Exists
Every service department runs the same play: diagnose, quote, follow up, schedule, return, repair, collect. That's 3–5 touchpoints and weeks of delay. Dumb Roof Repair compresses it into one. Diagnose, present, close, collect, repair — one visit, one tech, one call. No software has done this because no one had the training data. We do. 140,000 real inspection photos and patent pending AI that turns any tradesman into a revenue-generating expert.
Plug and Play
Instantly scalable. No training. No onboarding curve. New tech produces expert-level diagnostics on day one. Key man risk and turnover headaches disappear overnight.
Break the Language Barrier
Your best roofers can find the leak but can’t always present it in English. They don’t need to anymore. AI generates clear, professional documentation that speaks for itself — and homeowners prefer the contactless experience anyway.
The Contactless Close
Diagnosis, repair instructions, and branded ticket generate simultaneously. Homeowner approves and pays from inside their house while your tech is on the roof. One call close. Service and collect. On to the next.
Join the Dumb Roof Inspector Network
Professional roof inspections. No angry homeowners. No “my roof is leaking” calls six months later. No punch lists. No warranty callbacks. Just detailed, standards-based inspections.
Just Inspections. Nothing Else.
Inspect. Document. Get paid.
Show up, follow industry best practices, take photos, document damage. Our AI handles the forensic report, the estimate, and the appeal package. You never touch paperwork.
No construction liability
You are not the contractor. You don’t build anything, warranty anything, or manage any crews. When the phone rings 6 months later — it’s not your phone.
Pick your jobs, set your schedule
Inspection requests appear in your market. Accept what works for your schedule. Decline what doesn’t. No quotas, no mandatory availability windows.
Get paid more than carrier-side work
Carrier inspection companies pay $75–$150 per inspection. Policyholder-side inspections through our network pay significantly more for the same work.
Two Tiers. Same Respect.
Premium rate. Your HAAG stamp goes on the report. The gold standard carriers trust — now working for the policyholder.
Competitive rate. Years of field experience without HAAG certification. Proper 1099 insurance required.
Ready to Get Started?
Create your account in 30 seconds. Upload your first claim and get back a forensic-grade package in 15 minutes.
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