As a homeowner, dealing with roof damage after a severe storm can be stressful and overwhelming. However, understanding how to navigate the insurance claim process can help you get the most out of your coverage and ensure your roof is properly repaired. Here are some of our best tips to maximize your roof insurance claim:

When a storm comes through and does damage to your roof, be sure to do the following:

 

#1. Document Everything

As soon as it’s safe to do so after the storm, document all visible damage:

• Take clear, date-stamped photos and videos of your roof from multiple angles
• Document interior damage caused by roof leak
• Keep a detailed list of all damaged items
•  

This evidence will be crucial when filing your claim and can help prevent disputes with your insurance company.

#2. Act Quickly

Most insurance policies have a time limit for filing claims after damage occurs. Don’t delay in contacting your insurance company to start the claims process. Quick action also prevents further damage, which may not be covered if it’s deemed to result from neglect.

#3. Understand Your Policy

Review your insurance policy to understand what’s covered and what’s not. Pay attention to:

• Your deductible amount
• Coverage limits
• Any exclusions
•  

Knowing these details will help you advocate for yourself during the claims process

#4. Get a Professional Roof Inspection

Hire a reputable, licensed roofing contractor to inspect your roof. They can:

• Identify all damage, including hidden issues
• Provide a detailed report and estimate for repairs
• Help ensure nothing is overlooked in your claim

 

Many roofing companies offer free inspections after storms.

#5. Be Present for the Insurance Adjuster’s Inspection

When the insurance adjuster visits:

• Be present during their inspection
• Share your documentation and the roofing contractor’s report
• Point out all areas of damage
• Ask questions about their findings

 

#6. Don’t Rush to Accept the First Offer

Insurance companies may initially offer a settlement that’s lower than what’s needed for proper repairs. If you believe the offer is insufficient:

• Request a detailed explanation of how they arrived at that amount
• Provide additional documentation if necessary
• Don’t be afraid to negotiate

 

#7. Consider Hiring a Public Adjuster

If you’re facing a complex claim or having difficulty with your insurance company, consider hiring a public adjuster. These professionals work on your behalf to:

• Evaluate damage
• Prepare and submit claims
• Negotiate with the insurance company

While they charge a fee (usually a percentage of the claim), they can often secure a higher settlement.

#8. Be Wary of Storm Chasers

After major storms, some unethical contractors may try to take advantage of homeowners. Be cautious of:

• Unsolicited offers for roof repairs
• Pressure to sign contracts immediately
• Requests for large upfront payments

Always verify a contractor’s credentials and get multiple estimates before agreeing to any work.

#9. Keep Detailed Records

Throughout the claims process, maintain thorough records of:

• All communication with your insurance company
• Estimates and invoices for repairs
• Any temporary repairs or out-of-pocket expenses

These records can be invaluable if disputes arise or if you need to file a supplemental claim.

10. Don’t Settle for Less Than You’re Entitled To

If you’re not satisfied with how your claim is being handled, you have options:

• Escalate the issue to a supervisor at your insurance company 
• File a complaint with your state’s insurance commission
• Consult with an attorney specializing in insurance claims

Remember, you have the right to fair compensation for covered damages.

By following these tips, you can navigate the insurance claim process more effectively and increase your chances of receiving fair compensation for your storm-damaged roof. Always prioritize working with reputable professionals and don’t hesitate to seek help if you feel overwhelmed by the process.

If you have questions about your roof, or need a roof repair or replacement, give our office a call at 502-939-1983. We’d be happy to help you with a free roof inspection.