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§ 04.10Ohio · Statewide · NE-Ohio anchor

Ohio coverage, Texas-rooted, same documentation discipline.

Statewide Ohio with named-city crews in Chagrin Falls, Solon, and Cleveland. The footprint is honest about its size. Not every county has a truck on the ground yet. The file discipline that carries DFW storm work travels north intact.

Named cities
3
Matching law
OAC
Coverage
Statewide
Years
15+
How storms hit Ohio

A different damage profile than the Texas hail belt.

Ohio roofs do not fail the way Texas roofs fail. The cycle is freeze-thaw at the eave, wind-uplift on old three-tab, and ice-dam backup from a warm attic. Not the hail-belt pattern that drives DFW work. The fix is sequenced differently too.

Winter is the load-bearing season. Snow piles on the roof. The eaves stay below freezing. Warm attic air leaks up — bath fans, top-plate gaps, can lights — and melts the snow from below. The runoff hits the cold eave and refreezes. The dam grows. Water backs up under the shingles and into the wall.

Vents alone do not fix this. The order is air-seal first, insulate second, vent third. Add ridge vent to a leaky attic and the dam gets worse, not better. The right scope finds the warm spot, seals it, tops the insulation to R-49, then balances intake and exhaust. In that order.

Wind and freeze-thaw on the field. Ohio supercells are real but rare. The slow damage mode is wind-uplift on old shingle and granule loss from freeze-thaw. Both are carrier-pay when the file is tight. Carriers push older Ohio roofs to ACV. Cosmetic-damage exclusions creep into renewals. The file has to be tight.

The matching law works for you. Ohio Code 3901-1-54(I) is one of the strongest matching rules in the country. When a damaged wall cannot be made to match an undamaged wall, the carrier funds the match. We argue it on every claim where the line-of-sight test fails.
Insurance posture for Ohio homeowners

The Ohio rulebook —
three rules that carry the claim.

Ohio holds tighter rules than most states on first-party home claims. Three of them carry the work.

01

OAC 3901-1-54(I) — the matching rule

Ohio Code 3901-1-54(I) makes the carrier fund a match. Siding, paint, mortar, shingle — when the damaged wall cannot be made to match the undamaged wall, the rule drives full-wall replacement. The lever is paper: discontinuation records on the old profile, line-of-sight photos, written argument on the supplement.

02

Ice-barrier code at the eave

Ohio code wants ice-and-water barrier from the eave to 24 inches inside the warm-wall line. On shallow pitch the run goes further. We line-item the code scope so the carrier sees what is required. We run the barrier past the warm-wall line on every reroof. Code or no code.

03

15-day acknowledge · 21-day decision

Ohio carriers must answer a claim within 15 days. They must rule on it within 21 days of a complete proof of loss. Past those windows, you can file with the Ohio Department of Insurance. The line is 1-800-686-1526. We have walked homeowners through that filing when a carrier stalled past statute.

Ice-dam diagnostics — air-seal · insulate · ventilate

The order matters more than the parts list.

Most Ohio "vent problem" calls are an attic-air-leak. Adding vents to a leaky attic makes the dam worse, not better. The order below is the only order that holds.

01

Air-seal the attic floor

Bath fans not ducted out. Can lights without IC covers. Top-plate gaps. Dropped soffits open to the attic. Chase tops. Each bypass is a heat-leak that loads the snowpack. We trace them with a thermal pass and seal with foam, mastic, or rigid covers per the detail.

02

Insulate to R-49 minimum

Ohio code minimum on retrofit is R-49 in the attic. We blow cellulose or fiberglass to depth. We install soffit baffles to keep the intake clear. We mark the depth so the homeowner can see what they paid for. Cellulose settles. We blow it deep enough to hit R-49 after the settle, not before.

03

Balance intake and exhaust

Continuous soffit intake. Continuous ridge exhaust. Sized 50/50 by net free area per ARMA. Off-ridge static vents where the ridge will not run. Power attic fans are seldom the right call. They pull cool air out of the house through any leak the air-seal step missed.

Wrong order — vent first, ignore the leak, hope. That is why so many Ohio reroofs leak again next winter. Right order solves it once.

Named cities · NE-Ohio anchor

Statewide on paper. Three cities on the ground.

The Ohio side is younger than Texas. Three NE-Ohio cities carry the named-crew work today. Coverage runs statewide for storm work and claim help. Call before you assume we cannot reach you.

Chagrin Falls

Named-crew presence. Winter ice-dam diagnostics, storm-claim documentation, and full reroof scope handled in-house.

Solon

Named-crew presence. Winter ice-dam diagnostics, storm-claim documentation, and full reroof scope handled in-house.

Cleveland

Named-crew presence. Winter ice-dam diagnostics, storm-claim documentation, and full reroof scope handled in-house.

What we do in Ohio

Three-part work, sized to the climate

The Ohio scope follows ice-dam physics, OAC 3901-1-54(I) leverage, and the file work that holds up at desk review.

Ice-dam diagnostics — in order

Air-seal first, insulate second, vent third. The dam forms when warm air leaks into the attic, melts the snow, and refreezes at the cold eave. Vents alone do not fix it. We trace the warm spot, seal it, top the insulation to R-49, then balance soffit and ridge.

Code-grade ice-barrier scope

Ohio code wants ice-and-water barrier from the eave to 24 inches inside the warm-wall line. We run it further on shallow-pitch roofs and around valleys, dormers, and skylights where backup is worst. The scope is line-itemed so the carrier can see what code requires.

Wind and freeze-thaw paper

Ohio damage shows up as wind-uplift, granule loss from freeze-thaw, and ice-dam backup. Not the hail-belt pattern that drives Texas files. We log each mode for what it is, in the carrier software the adjuster uses, with photos that hold up at desk review.

§ 06Reach the dispatch desk

Winter on your roof? Walk the eaves with us.

Free inspection, attic-floor thermal pass, ice-barrier and vent audit, scope of repair priced on your carrier's local list. NE-Ohio dispatch from Cleveland, Solon, and Chagrin Falls. We won't sell a reroof when an air-seal fix solves it.

(214) 578-9961