If an adjuster confirms storm damage, most policies cover a full replacement minus your deductible. Document damage, request inspection, and meet your adjuster with our project manager.
Speakable:
- • Insurance covers storm damage minus deductible.
- • We handle adjuster meetings and documentation.
Roof Insurance Claims Help
Complete guide for homeowners navigating insurance claims after storm damage. Everything you need in one place.
✅ Direct Answer
Yes—insurance typically covers hail, wind, and storm damage if the roof is not worn-out.
Most homeowners insurance policies cover sudden storm damage including hail, wind, and fallen trees. Coverage depends on your specific policy and the cause of damage. Wear and tear or pre-existing damage is typically not covered.
✅ Claim Steps
Follow this timeline to ensure you complete all necessary steps for your insurance claim
Immediate Actions (0-24 hours)
- Ensure safety - stay away from damaged areas
- Take photos/videos of all visible damage from safe distance
- Document date, time, and weather conditions
- Make temporary repairs if safe (keep receipts)
- Contact insurance company to report damage
Documentation Phase (1-3 days)
- Complete damage documentation with photos from all angles
- Create detailed inventory of damaged items
- Gather receipts for any temporary repairs
- Review your insurance policy for coverage details
- Schedule professional inspection
Claim Filing (3-7 days)
- File formal claim with insurance company
- Submit all documentation and photos
- Get claim number and adjuster contact information
- Schedule adjuster inspection
- Prepare for adjuster meeting
Adjuster Meeting (7-14 days)
- Meet with adjuster on-site
- Present documentation and evidence
- Point out all damage areas
- Ask questions about coverage and process
- Get written estimate from adjuster
Review & Negotiation (14-30 days)
- Review adjuster's estimate carefully
- Compare with contractor estimates
- Identify any missing or underpaid items
- Negotiate if estimate is too low
- Appeal if claim is denied
Approval & Payment (30-60 days)
- Receive claim approval and payment breakdown
- Understand ACV vs RCV payment structure
- Receive initial payment (ACV)
- Complete repairs with approved contractor
- Submit final invoice for RCV payment
Need Help with Your Insurance Claim?
Our team can help you navigate the insurance claims process, work with adjusters, and ensure you get fair coverage for your damage.