Storm Damage: Navigating Roof Insurance Claims

Storm damage can necessitate immediate roof replacement, and understanding the insurance claim process ensures you get the coverage you deserve. Here's your complete guide to successfully navigating roof insurance claims.

Immediate Steps After Storm Damage

• Safety first: Stay away from damaged areas and power lines
• Document everything: Take extensive photos and videos
• Temporary protection: Tarp damaged areas to prevent further damage
• Contact your insurance: Report the claim immediately
• Save receipts: Keep records of emergency repairs and tarping

Documenting Damage Effectively

Thorough documentation is crucial for claim approval. Take clear photos from multiple angles showing the full extent of damage. Include close-ups of specific damage points and wide shots showing overall condition. Photograph interior damage like water stains or leaks. Date-stamp all documentation.

What Insurance Typically Covers

Most homeowner policies cover sudden, accidental damage from storms, hail, wind, and falling objects. Coverage typically includes material costs, labor for replacement, and tear-off of damaged roofing. However, gradual deterioration, lack of maintenance, and pre-existing damage are usually excluded.

Understanding your policy before filing a claim helps set realistic expectations and prevents surprises. Review your coverage limits, deductibles, and exclusions carefully.

Working with Insurance Adjusters

The insurance adjuster will inspect your roof to assess damage and determine coverage. Be present during the inspection to point out all damage areas. Consider getting your own professional inspection to ensure nothing is missed. Adjusters work for the insurance company—having your own documentation protects your interests.

Common Claim Denial Reasons

• Age of roof: Many policies exclude roofs over 20 years old
• Pre-existing damage: Damage that occurred before the storm
• Maintenance neglect: Failure to maintain roof properly
• Cosmetic damage: Damage that doesn't affect function
• Insufficient evidence: Poor documentation of storm damage

If Your Claim is Denied

Don't give up if your initial claim is denied. Request a detailed written explanation for the denial. Get a second opinion from an independent roofing professional. Consider hiring a public adjuster who works for you, not the insurance company. You may also file an appeal with additional supporting documentation.

How We Help With Insurance Claims

We've helped thousands of homeowners navigate the insurance claim process successfully. We provide detailed damage assessments, work directly with adjusters, and ensure you receive fair coverage. Our transparent pricing means your insurance settlement goes further, often covering your entire replacement cost.

Dealing with storm damage? Get your free virtual estimate and storm damage assessment. We'll help document your damage, provide detailed reports for your insurance company, and ensure you get the roof replacement you need at a price your insurance will cover.