Navigating Roof Insurance Claims After Storm Damage

Dealing with roof damage after a storm is stressful enough without having to navigate the complex insurance claims process. Whether you're facing damage from hurricanes, severe thunderstorms, or high winds, understanding how to work effectively with your insurance company can make all the difference in getting your roof properly repaired.

Understanding Your Roof Insurance Coverage

Before you file a claim, it's crucial to understand what your homeowner's insurance policy actually covers. Most standard policies cover sudden, accidental damage from storms, but may exclude gradual wear and tear or maintenance issues.

Step 1: Document the Damage Immediately

Time is of the essence after storm damage. Take these steps as soon as it's safe to do so:

• Take extensive photos and videos of all visible damage from multiple angles
• Document the date and time of the storm event
• Take photos of interior damage including water stains, leaks, and damaged belongings
• Note any debris that caused damage (fallen branches, hail, etc.)
• Keep receipts for any emergency repairs to prevent further damage

Step 2: Make Emergency Repairs to Prevent Further Damage

Your insurance policy requires you to take reasonable steps to prevent additional damage. This might include:

• Tarping damaged areas to prevent water intrusion
• Removing debris that could cause additional damage
• Placing buckets to catch water from leaks

Keep all receipts for emergency repairs—these costs are typically reimbursable under your policy.

Step 3: Contact Your Insurance Company Promptly

File your claim as soon as possible after the damage occurs. Most policies have time limits for reporting claims, and delays can jeopardize your coverage.

When you call, have this information ready:

Step 4: Get a Professional Roof Inspection

Before the insurance adjuster arrives, have a licensed roofing contractor inspect your roof. A professional roofer can:

• Identify all damage, including issues not visible from the ground
• Provide a detailed assessment and repair estimate
• Document damage that adjusters might miss
• Be present during the adjuster's inspection if needed

Step 5: Meet with the Insurance Adjuster

The insurance company will send an adjuster to assess the damage. Here's how to prepare:

• Be present during the inspection or have your contractor present
• Point out all damaged areas identified by your roofing contractor
• Provide your documentation including photos, videos, and contractor estimates
• Ask questions about their assessment and coverage decisions
• Get a copy of the adjuster's report

Step 6: Review the Settlement Offer Carefully

Once the adjuster completes their assessment, the insurance company will send a settlement offer. Don't feel pressured to accept immediately:

• Compare the settlement to your contractor's estimate
• Check if the estimate includes all necessary repairs
• Verify that material costs are accurate for your area
• Ensure labor costs reflect current market rates

What If Your Claim Is Denied or Undervalued?

If you believe the insurance company's assessment is inadequate:

1. Request a detailed explanation in writing
2. Obtain a second opinion from another licensed roofing contractor
3. File a formal appeal with your insurance company
4. Request a reinspection with your contractor present
5. Consider hiring a public adjuster if disputes continue
6. Contact your state's insurance commissioner if necessary

Common Insurance Claim Mistakes to Avoid

How Coastal Roofing Can Help

At Coastal Roofing of Georgia, we have extensive experience working with insurance companies throughout Georgia and Northeast Florida. Our team can:

• Provide free storm damage inspections
• Document all damage comprehensively
• Provide detailed repair estimates for your claim
• Meet with insurance adjusters on your behalf
• Work within your insurance budget
• Complete repairs to manufacturer specifications