How to File an Insurance Claim for a Storm-Damaged Roof

After a storm damages your roof, filing an insurance claim is one of the first steps you should take toward restoring your home. Done properly, this will ensure your roof is not only repaired but brought up to current industry standards. Here’s how to navigate the process:

1. File your claim quickly. Once the storm has passed and it’s safe to assess the damage, contact your insurance company to file a claim. The sooner you file, the sooner the recovery process can begin. Your insurance provider will then schedule an inspection with an adjuster to evaluate the extent of the damage.

2. Bring a roofer to the inspection. Having a roofing professional onsite will ensure all storm-related damage is documented accurately, which can prevent disputes and costly delays later. Roofers are trained to identify damage that insurance adjusters might overlook, and they also understand local building codes that your insurer may not be familiar with.

3. Ensure code compliance during repairs. Once your claim is approved and work begins, the project manager of the roofing company should stay involved throughout the project. Their role is to ensure all repairs are performed to code and the finished product is an upgrade from the pre-storm condition.