Roof Insurance Claims 101: A Guide for Homeowners After a Storm

When a storm hits, dealing with roof damage can feel overwhelming. Many homeowners are unsure how to navigate the insurance claims process or where to start. At Storm Inspectors, we’ve helped countless homeowners handle their insurance claims smoothly. Here’s a simple step-by-step guide to help you through the process.

Step 1: Document the Damage Immediately

    •    Take clear, high-resolution photos of the damage (roof, gutters, windows, and siding).

    •    Capture before-and-after photos if you have them.

    •    Video walkthroughs can be helpful, especially if the damage is extensive.

    •    Check inside your home for water stains or leaks in the attic and ceilings.

💡 Tip: Don’t clean up too quickly—wait until you document everything.

Step 2: Contact Your Insurance Company

    •    Call your insurance company or file a claim online.

    •    Provide them with the date and time of the storm and a brief damage description.

    •    Ask for your claim number and write it down—it’s essential for tracking your claim.

💡 Tip: Stay honest but avoid guessing about costs or repairs—stick to facts.

Step 3: Schedule an Adjuster Inspection

    •    The insurance company will send an adjuster to assess the damage.

    •    It’s best to have a roofing contractor (like one from Storm Inspectors) present during the inspection to ensure that all damage is documented correctly.

    •    The adjuster will create a Scope of Loss, which outlines what your insurance will cover.

💡 Tip: Contractors can help you identify code upgrades or hidden damage that adjusters might miss.

Step 4: Review the Scope of Loss Document

    •    Carefully review the line items in the insurance estimate.

    •    If anything is missing (such as drip edge, ridge caps, or underlayment), your contractor should help you submit a supplement to the insurance company.

    •    Check if your policy includes Recoverable Depreciation (meaning you’ll get reimbursed for the full cost after repairs are completed).

💡 Tip: Keep a copy of every document from your insurance company.

Step 5: Choose a Licensed Roofing Contractor

    •    Verify credentials: Make sure the roofer is licensed, insured, and experienced with insurance claims.

    •    Avoid storm chasers: Be wary of contractors who pressure you to sign contracts on the spot.

    •    Ask for warranties on both labor and materials.

💡 Tip: Storm Inspectors can connect you with trusted, pre-vetted roofing contractors in your area.

💡 Bonus: Understanding Insurance Terms

    •    ACV (Actual Cash Value): The value of your roof after depreciation.

    •    RCV (Replacement Cost Value): The total cost to replace your roof.

    •    Deductible: The amount you’re responsible for paying before insurance covers the rest.

    •    Supplement: An additional request for payment to cover items missed in the initial estimate.

How Storm Inspectors Can Help You:

    •    ✅ Free Roof Inspections: Identify all storm-related damage.

    •    ✅ Insurance Claim Assistance: Work directly with your adjuster.

    •    ✅ Fast Contractor Referrals: Connect you with licensed, reliable roofers.

    •    ✅ Supplement Support: Ensure you get the full amount owed under your policy.

📞 Need Help with Your Insurance Claim?

Don’t navigate the claims process alone. Contact Storm Inspectors today for a free inspection and claim consultation. We help homeowners get the coverage they deserve with trusted contractors by their side.

📞 Call us at 480-286-7286 or visit www.storminspectors.com to schedule your inspection.