Residential Claims
Representation for the place your life actually happens.
A residential loss is personal — and it is technical. RCO brings commercial-grade claim discipline to Arizona homes, from hail-struck roofs to fire losses.
Losses We Handle
Scoped short is the rule. We are the exception.
Hail Damage
Hail compromises roofing systems in ways that are invisible from the ground — fractured matting, displaced granules, bruised underlayment. We test and document the system, slope by slope.
Wind & Monsoon Damage
Arizona monsoons drive wind, rain, and dust into every weakness in a building envelope. We trace the full path of the damage, not just the room where it surfaced.
Water Damage
Moisture migrates. A supply-line failure or roof breach rarely stays in one cavity, and scopes that stop at the stain miss the loss. We map the migration before the estimate is written.
Fire & Smoke Losses
Smoke and soot travel farther than flames. We document structure, systems, and contents so deodorization, replacement, and reconstruction are scoped completely.
The Homeowner's Position
You should not have to learn your policy during the claim.
Carriers count on homeowners accepting the first scope: spot-repair pricing on a roofing system that no longer matches, drying where replacement was warranted, cosmetic allowances on structural damage.
RCO inspects the whole system, prices the whole repair, and negotiates from documentation — so your settlement restores the home, not just the visible damage.