How to File a Roof Insurance Claim After Storm Damage
Hail and wind damage to your roof is often covered by homeowner's insurance. Here's how to navigate the claims process and avoid common mistakes.
Step 1: Document the Damage Before Any Repairs
Photograph everything — damaged shingles, dents in gutters, broken vents, interior water stains. Date your photos. Do not let anyone start repairs before your insurer sends an adjuster.
Step 2: File Your Claim Promptly
Most policies have a time limit on storm damage claims — often 1 year from the date of the storm. File as soon as possible. Note the storm date (check local weather records if needed).
Step 3: Get a Contractor's Inspection First
Have a reputable local roofer inspect and document the damage before the adjuster arrives. Their report can support your claim. Avoid contractors who approach you unsolicited after storms — they're often storm chasers.
Step 4: The Adjuster Visit
Your insurer will send an adjuster to assess damage. If possible, have your roofing contractor present during this inspection. Adjusters sometimes miss damage — a contractor can point out everything.
Step 5: Review the Estimate Carefully
The insurer will provide an Estimate of Loss. Compare it against your contractor's quote. If there are significant discrepancies, you can negotiate or request a re-inspection.
Watch Out For:
- Deductible scams: Contractors who offer to "waive your deductible" are committing insurance fraud — and you could be liable too
- Assignment of Benefits (AOB): Be cautious about signing over your insurance rights to a contractor
- Actual Cash Value vs. Replacement Cost: Know which your policy pays — ACV policies depreciate the payout based on age
If Your Claim Is Denied
You can dispute a denial. Options include: requesting a re-inspection, hiring a public adjuster (works on your behalf, takes ~10% of settlement), or filing a complaint with your state's insurance commissioner.