Roof Storm Damage: How the Insurance Process Works


Here’s what you need to know about the insurance process. You should first meet with a reputable roofing contractor that specializes in storm restoration if you experience a leak in your roof or a hailstorm in your community.

Hire a Licensed Roofing Contractor

As well as making sure they are properly licensed with your city and state, you should make sure they have all the necessary permits. In the event of wind damage or hail damage, they will inspect your roof, inspecting anything where water could be infiltrating.

Understanding the Extent of Roof Damage

After establishing the extent of the damage, and confirming that the roof has been damaged, we must determine whether there’s enough damage there to justify you filing a claim with your insurance company.

Deductibles for Roofing Damage

Our last thing we want you to do is file a claim when you have a deductible of $4,000 and the claim is for $500. All those claims that don’t meet your deductible will go against your insurance company’s record.

Roof Damage Determined as Act of God

The deductible that was determined to be an act of God will not affect your claims against your home. You can’t be held responsible for that. Before we move on to the next step, we need to be sure you meet those thresholds. As soon as we have determined that there has been enough damage, you will meet your deductible and will either need substantial repairs or a complete roof replacement.

Filing Roof Insurance Claim

Your claim is now ready to be filed. The claims process is different from the process at the insurance company, but you can usually contact your agent directly, or log into your account online to begin the process. The rest of this process can be handled by members of our team from that point forward. Your project will be assigned an adjuster after the claim is filed.

Updating your Roofing Contractor

Let us or your contractor know when they assign that adjuster. You can then be represented by a representative sent out by them. Unless you bring in a third-party expert who is your expert, an insurance company will send out a claims adjuster to look after their interests. The contractor steps in at this point. Then, you can meet the adjuster on site with the contractor you chose.

Roofing Contractor and the Insurance Adjuster

After a meeting with the adjuster, they’ll determine what needs to be done on your project based on the damages present. Basically, they’re going to say, okay, there are roof damages; gutter damages; window damages; and if your windows or fascias have aluminum wraps, those probably caused damage to your air conditioning unit. The contractor should ensure that their insurance adjuster captures all of that damage.

Covering All Roof Construction Expenses

Contractors and insurance adjusters may disagree on some issues from time to time. It’s no problem if that’s the case. That adjuster would be allowed to leave. Using insurance supplements, we will take care of everything on the backend. As an example, an insurance company might write off $10,000 of damage as $10,000, but in reality, it is worth $12,000. So, instead of receiving a $10,000 allotment for $12,000 worth of damage, we as storm restoration contractors work with your insurance company to get your money back, so your project is restored to its original state.

Roof Construction Scope of Work

Afterwards, we will work together to establish the scope. For your insurance claim, we will estimate the amount of money we have available. Our next step will be to discuss your options with you. It doesn’t matter if it’s the exact same thing that you had before, or if we’re talking about upgrades, we can talk about what suits you best. 

Choosing a New Roof for your Home

Whether you are tired of roofing altogether, and you want to upgrade to a high-end stone coated steel roof, or if you want to get into that class for impact resistant shingles to save you some money on your insurance premiums.

Roofing Production & Construction Dates 

Please feel free to talk to one of our sales representatives about those options. Afterwards, we would set production dates and begin building. Once all of this is completed, we will submit an invoice to the insurance company for them to release any remaining funds that aren’t already paid and your project will be complete. 

Scheduling your Free Roofing Inspection

If you have any other questions about the scope of work or our production items, please send us a message. We look forward to hearing from you.