
Understanding the Roof Insurance Claim Process After Storm Damage

Storm damage to your roof can be stressful, but understanding the insurance claim process can make it more manageable. With the right knowledge, you can ensure a smooth experience and maximize your coverage. This guide walks you through every step of the roof insurance claim process, so you’re prepared when nature strikes.
1. Assess the Damage Safely
After a storm, it’s important to inspect your roof for visible damage. Look for missing shingles, dents, leaks, or debris from a safe distance. Avoid climbing onto the roof yourself, as it could be unsafe.
Tip: Use binoculars to inspect your roof from the ground or call a professional roofer for a detailed assessment.
2. Document the Damage
Take clear photos and videos of the affected areas, including any interior damage caused by leaks. This evidence will be crucial when submitting your insurance claim.
Checklist:
- Close-up and wide shots of damage
- Photos of water stains, broken shingles, and dents
- Date and time of the storm
3. Review Your Insurance Policy
Familiarize yourself with your homeowner’s insurance policy. Understand what types of roof damage are covered and whether your policy includes exclusions for certain events, like hail or wind damage.
Key Terms to Look For:
- Coverage limits
- Deductible amount
- Exclusions
4. Contact Your Insurance Company
Notify your insurance company as soon as possible after discovering storm damage. Provide them with the documentation you’ve gathered and ask about the next steps in the claim process.
What to Ask:
- What documents are required?
- How long does the claim process take?
- Will an adjuster visit my property?
5. Schedule a Professional Inspection
Before the insurance adjuster arrives, have a trusted roofing contractor inspect your roof. They can provide an independent estimate of the repair or replacement costs and help identify any overlooked damage.
Tip: Many reputable roofing companies, like Legacy Roofing, offer free inspections and can assist you during the claims process.
6. Meet with the Insurance Adjuster
When the insurance adjuster visits, provide them with your documentation and walk them through the damage. Having your contractor present during this meeting can ensure all issues are addressed.
Benefits of Contractor Involvement:
- Professional insights on damage
- Accurate cost estimates
- Support during negotiations
7. File Your Claim and Wait for Approval
Submit all required documents to your insurance company, including photos, estimates, and inspection reports. Once your claim is approved, you’ll receive a settlement offer.
Tip: Review the offer carefully and consult with your contractor to ensure the settlement covers all necessary repairs.
8. Start Repairs or Replacement
Once you’ve received your settlement, schedule the repairs or replacement with a licensed roofing contractor. Ensure the work is completed according to local building codes and your insurance company’s requirements.
Why Choose Legacy Roofing?
- Free storm damage inspections
- Assistance with insurance claims
- Experienced in handling storm-related repairs
Common Mistakes to Avoid
- Delaying Action: Waiting too long can worsen the damage and complicate your claim.
- Not Documenting Thoroughly: Missing photos or receipts can lead to claim denial.
- DIY Repairs Before Approval: Temporary fixes may be allowed, but major repairs should wait for insurance approval.
