Storm damage, hail, wind — your policy may cover the whole thing. Here’s how to file a roof insurance claim correctly and not leave money on the table.
(844) 437-2076 — Free Inspection| Usually Covered | Usually NOT Covered |
|---|---|
| Hail damage | Age / wear and tear |
| Wind damage (typically 60+ mph) | Lack of maintenance |
| Falling tree damage | Gradual leaking |
| Lightning strike damage | Improper original installation |
| Ice dams (sudden, not gradual) | Roofs over 20–25 years old (may be excluded) |
| Vandalism | Cosmetic damage only |
Take photos and video from the ground (and roof if safe) showing: date-stamped damage, any interior damage from leaks, and the immediate cause (hail, fallen branch, etc.). Check local weather data (weather.gov) to confirm a storm event occurred on or near the damage date. This is your evidence — document everything before cleanup or temporary repairs.
Report the claim and schedule their adjuster to come out. Some policies require you to report damage within a certain timeframe (30–60 days). Calling a roofer before your adjuster can complicate the process.
The adjuster’s report determines your settlement. You have the right to be on the roof during inspection. Point out all damage. Take your own photos while they’re there. If you feel something is missed, say so on the spot.
Have a licensed roofer do their own damage assessment and compare it to the adjuster’s scope of work. Common adjuster gaps: missing starter strips, drip edge replacement, satellite dish reconnection, skylight flashing, gutters, and additional damaged areas. Any items in the contractor’s estimate but not the adjuster’s report can be submitted as a supplement.
Insurance supplements are legitimate and common. If the adjuster missed items or priced materials too low, your contractor can submit a supplemental claim with documentation. This is normal practice, not fraud.
Your policy pays either Actual Cash Value (ACV) — depreciated value — or Replacement Cost Value (RCV) — full cost to replace. ACV policies deduct for roof age. RCV policies pay the full replacement cost, typically in two installments: the ACV upfront, then the recoverable depreciation after work is completed.
Free in-person estimate from a licensed local contractor — no obligation.
After major hail events, out-of-state contractors flood affected areas with door-to-door solicitation. They collect deposits, do shoddy work or disappear, and move to the next storm. Always verify a contractor’s local license and insurance before signing anything.
Look for contractors who specifically have experience with insurance claims and understand the supplement process. They should be able to provide documentation in the format insurers expect and be willing to work with your adjuster directly if needed.
Licensed contractors who know the insurance claim process. No obligation.
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