Roof Damage & Insurance Claims

First thing, look for damage once the storm has passed

Some storm or wind damage is able to be seen from the ground, or from windows overlooking parts of the roof. Do a visual roof inspection from a safe place to note any missing shingles, or impact damage from trees or branches. A lot of damage, however, is not visible to the untrained eye. If you have any doubt whatsoever, you need to call a qualified roof inspection to come and perform a professional roof inspection. Some insurance policies have stipulations that dictate how long you can wait after the damage has occurred to still have the damage covered under your insurance policy.

Document details related to the damage with photographs
As a homeowner you should take pictures of damage you note, but your roofing inspector should also take photographs. In order to have your roofing insurance claim approved, you will have to provide proof of damage, including measurements, the events that caused the damage, and dates and times the damage occurred.

Find out what your policy covers
Once the damage has been verified, contact your insurance company immediately. When you submit your roof insurance claim, an insurance adjuster will be sent to inspect the damaged areas and determine the cost that the insurance company will pay out to repair or replace your roof. This may cover roof repairs or a full roof replacement, dependent on the extent of damage and age of roof.

Choose a roofing contractor with insurance expertise

If your roof insurance claim is covered under your homeowner’s policy, and once it has been confirmed by the insurance agent/adjuster, they will provide the funds for the estimated repair costs. You can choose your own roofing contractor to complete the repairs or perform a roof replacement.