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Storm Damage Response Serving the DMV Since 1976

When a storm hits your house, you need a contractor who answers the phone — and an insurance ally who knows the language.

Same-day emergency tarping. Detailed construction documentation for your claim. Permanent restoration that lasts. Available 24/7 during storm events.

★★★★★ 4.9 · 62 Google reviews Licensed MD · VA · DC GAF · CertainTeed · Trex

Free in-home consult · Same-day quote when possible

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4.9 62 Google reviews
50 Years serving the DMV
100,000+ Projects since 1976
3 Jurisdictions licensed
4.9 ★ · 62 Google reviews · over 100,000 projects since 1976

What DMV homeowners say.

Our Commitment to You

Fully custom design
On time & on budget
Built by licensed professionals
Why Storm Response Matters

The first 72 hours after a storm matter most.

Storm damage is time-sensitive: water damage compounds every hour, and most policies have claim deadlines that arrive faster than homeowners expect. Fast, thorough documentation protects you. Four Seasons responds quickly to secure your home, document the damage in detail, and prepare a clear construction estimate — the information you and your insurer need. You file and manage the claim, and your insurer independently determines coverage. We handle the construction.

The first 72 hours after a storm matter most.
Your Options

Storm Damage Repair & Restoration systems we install.

We install only what we'd put in our own homes. Here's what each option is best at.

Emergency Tarping

Emergency Tarping

Same-day tarping to prevent water intrusion. Photos and timestamps for the claim.

Best for
Active storm damage, before adjuster arrives
Typical range
Usually covered by claim
Get a quote for this
Roof Replacement

Roof Replacement

Full asphalt or premium roof replacement; we handle insurance scope.

Best for
Wind, hail, or tree damage to roof
Typical range
Covered by claim
Get a quote for this
Siding Repair

Siding Repair

Storm-damaged siding repair or full replacement, color-matched.

Best for
Hail and wind damage
Typical range
Covered by claim
Get a quote for this
Gutter & Trim

Gutter & Trim

Storm-damaged gutters, fascia, and exterior trim replacement.

Best for
Wind and impact damage
Typical range
Covered by claim
Get a quote for this
Trusted Manufacturer Partners

Brands we install

We install premium, warranty-backed products from the industry's most trusted names.

GAF — installed by Four Seasons
CertainTeed — installed by Four Seasons
James Hardie — installed by Four Seasons
ProVia — installed by Four Seasons
Kingspan — installed by Four Seasons
Honest Pricing

What storm damage repair costs.

Storm damage is often a covered loss, but coverage depends on your policy and your insurer's decision. When a claim is approved, your out-of-pocket cost is typically your deductible.

$500 – $2,500
Typical deductible
What you actually pay out of pocket on most DMV storm claims
24-48 hrs
Inspection turnaround
How quickly we can be on-site to document damage and tarp if needed
12 mo
Typical filing window
Filing windows vary by policy — check with your insurer

What changes the number for your home

  • Deductible. Your policy's deductible is your typical out-of-pocket — usually $500-$2,500
  • Scope dispute. If the adjuster's scope is incomplete, we negotiate for additional items
  • Code upgrades. Most policies cover code-required upgrades (ridge ventilation, ice/water shield)
  • ACV vs. RCV. Actual Cash Value vs. Replacement Cost Value affects payout structure
  • Mortgage company. If you have a mortgage, lender may hold check until work progresses
  • Supplemental claims. Additional damage discovered during work can be added to claim
  • Upgrade options. Premium upgrades beyond like-kind replacement are out-of-pocket
  • Tarping. Emergency tarping is usually covered as part of mitigation
How It Works

From storm event to brand-new roof — typically 6-12 weeks.

01

Free storm inspection

We come out within 24-48 hours, document the damage with photos, and tarp to secure your home. We'll walk you through the construction conditions we observe.

02

Document for your claim

You file the claim with your carrier. We provide detailed photos, measurements, and a construction estimate you can submit — and, with your permission, we can attend the inspection.

03

Construction-scope support

With your permission, we answer the adjuster's technical questions about our proposed construction scope, measurements, materials, and price. Your insurer independently determines coverage.

04

Repair / restoration

Once your claim is approved, we schedule and complete the work — typically 4-6 weeks after approval.

Why Four Seasons

We document the damage and rebuild it right.

Detailed construction documentation and licensed restoration. You manage the claim; your insurer determines coverage.

24-48 hour response

During storm events we prioritize damage inspections. Same-day tarping when needed.

Insurance documentation

Photos, measurements, damage diagrams, and code references — clear construction documentation your insurer can review.

Adjuster support

With your permission, we attend the inspection and answer technical questions about our construction scope, materials, and price. The insurer determines coverage.

50 years in the DMV

We've documented and restored storm damage on homes across the DMV since 1976 — working alongside homeowners and their insurers.

Triple-licensed

MHIC #129630 (MD), VA #2705082387A, DC #420224000125.

GAF®

For roof claims, we're GAF® Certified — factory-trained and vetted by GAF.

Where We Work

Storm damage response across the DMV.

Maryland, Washington DC, and Northern Virginia. Priority response during active storm events. 24/7 emergency line.

Call (301) 948-2678 Get Free Quote
  • Rockville, MD
  • Bethesda, MD
  • Silver Spring, MD
  • Gaithersburg, MD
  • Potomac, MD
  • Frederick, MD
  • Annapolis, MD
  • Hyattsville, MD
  • Laurel, MD
  • Greenbelt, MD
  • Columbia, MD
  • Towson, MD
  • Arlington, VA
  • Alexandria, VA
  • Fairfax, VA
  • McLean, VA
  • Loudoun County, VA
  • Prince William County, VA
  • Ashburn, VA
  • Leesburg, VA
  • Washington, DC
  • Capitol Hill
  • Georgetown
  • Cleveland Park
Common Questions

Storm damage questions DMV homeowners ask.

My house was damaged in a storm — what should I do first?
If it's safe, take reasonable steps to prevent further damage. Call us for a free inspection — we can tarp to secure your home and document the damage. Then report the loss to your insurer, who opens and decides the claim.
Do you handle the insurance claim?
No — you file and manage the claim with your carrier. Our role is construction: we document the damage in detail, prepare a clear estimate, and, with your permission, answer the adjuster's technical questions about our proposed scope and price. Your insurer independently determines coverage and payment.
How fast can you get to my house after a storm?

Typically 24-48 hours during normal conditions. For major regional storm events we may be slightly slower due to volume, but storm damage is always prioritized over other quotes.

What if the adjuster requests more information?
If your insurer needs more detail, we can re-document the construction conditions and provide our findings in writing. Any decision to appeal — and any coverage decision — is between you and your insurer.
How much will I pay out of pocket?
That depends on your policy and your insurer's decision. When a claim is approved, homeowners typically pay their deductible; upgrades beyond like-kind replacement are out-of-pocket. Confirm the specifics with your insurer.
How long do I have to file a claim?
This varies by policy. Many carriers set a filing window (often up to 12 months) and some require prompt notice — check your policy or ask your insurer.
Will filing a claim affect my insurance rates?
That's a question for your insurer or agent — rate impacts vary by carrier and claim type. We handle the construction, not the policy.
Do you tarp houses?
Yes. For homeowners we’re restoring, emergency tarping is part of securing the property. For others, we may charge for emergency tarping depending on logistics.
Free in-home estimates · Most quotes scheduled within 24 hours

Storm damage? Call us first.

Free inspection within 24-48 hours. We tarp to secure your home, document the damage in detail, and prepare a clear construction estimate for your claim.

Call (301) 948-2678 hello@4seasonshome.com
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Same-day response.

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