Storm Damage Claim Guide

Do not go on your roof during or immediately after a storm. Wait until conditions are safe. If you see structural damage or immediate danger, evacuate the area and contact emergency services.

Take photos and videos of all visible damage from ground level. Document the date and time. Take multiple angles and close-up shots. Include photos of any interior water damage, damaged gutters, missing shingles, and debris.

Take reasonable steps to prevent additional damage. This may include placing tarps over damaged areas (if safe to do so), moving valuables away from affected areas, and containing water leaks. Keep receipts for any temporary repairs.

Call your insurance company as soon as possible to report the damage. Most policies require claims to be filed within a specific timeframe (often 24-72 hours). Have your policy number ready and be prepared to describe the damage.

Schedule a professional roof inspection with a certified roofer. They can provide a detailed assessment, document all damage, and provide an estimate. This professional documentation strengthens your claim.

The insurance company will send an adjuster to assess the damage. Be present during the inspection, provide all documentation, and point out all areas of concern. Have your roofer present if possible.

Carefully review the insurance company's settlement offer. Compare it with your roofer's estimate. If the offer seems low, you can negotiate or appeal. Understand what's covered and what's not.

Once you accept the settlement, work with your chosen contractor to complete the repairs. Ensure all work is done according to the claim agreement. Keep all receipts and documentation.