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Filing a roof damage insurance claim can feel overwhelming, especially when you're dealing with the stress of storm damage. Understanding the process beforehand makes everything smoother. Here's a step-by-step guide to navigating your claim successfully.
Step 1: Document Everything Immediately
As soon as it's safe to do so after a storm, document all damage. Take photos and videos of your roof from the ground (never climb on a damaged roof), any visible damage to the interior, and any debris that caused damage.
Include wide shots showing the overall damage and close-ups of specific damage areas. Date-stamp your photos if possible, or note the date and time you took them.
Step 2: Make Temporary Repairs to Prevent Further Damage
Your policy likely requires you to take reasonable steps to prevent additional damage. This might include tarping a hole, covering broken windows, or moving furniture away from a leak.
Document temporary repairs with photos and keep receipts for any materials you purchase. These costs are typically reimbursable as part of your claim.
Step 3: Contact Your Insurance Company
Report the damage to your insurance company as soon as possible. Most policies have time limits for filing claims. Have your policy number ready and be prepared to describe the damage.
Ask about your specific coverage, your deductible (hurricane deductibles are often different from standard deductibles), and the claim process and timeline.
Step 4: Get a Professional Roof Inspection
Before the insurance adjuster visits, have a professional roofing contractor inspect your roof and provide a detailed damage assessment. This gives you an independent evaluation to compare against the adjuster's findings.
A good contractor documents damage thoroughly with photos and notes, identifying not just obvious damage but also less visible issues the adjuster might miss.
Step 5: Meet the Insurance Adjuster
When the adjuster visits, it's helpful to have your roofing contractor present. They can point out damage that might otherwise be overlooked and speak to repair requirements in professional terms.
Walk the property with the adjuster, showing all damage you've documented. Don't just focus on the roof—show interior water stains, damaged personal property, and any other related damage.
Step 6: Review the Settlement Offer Carefully
Insurance companies typically send an initial settlement based on the adjuster's report. Review this carefully against your contractor's estimate. It's common for initial offers to be lower than actual repair costs.
Pay attention to whether the offer is for RCV (replacement cost value) or ACV (actual cash value, which deducts for depreciation). RCV policies typically hold back depreciation until repairs are completed.
Step 7: Negotiate If Necessary
If the initial offer seems low, you have the right to negotiate. Provide your contractor's detailed estimate and documentation to support the higher cost. Most legitimate differences can be resolved through discussion.
If you can't reach agreement, you may have the option of appraisal (a neutral third party assesses the damage) or other dispute resolution processes outlined in your policy.
Working with Your Contractor
A good roofing contractor should be willing to work with your insurance company on your behalf. They can provide detailed estimates, meet with adjusters, and explain repair requirements.
Be wary of contractors who pressure you to sign before you've received and reviewed your insurance settlement. A reputable contractor will work with you through the process, not around it.
Red Flags to Avoid
- Storm chasers who appear immediately after a storm offering to handle your claim
- Contractors who want you to sign an assignment of benefits (AOB) giving them control of your claim
- Anyone who encourages exaggerating damage or making false claims
- Pressure to use specific contractors or sign quickly
Know Your Rights
You have the right to choose your own contractor. You have the right to negotiate the settlement. You have the right to dispute an unfair claim decision. Understanding these rights helps you navigate the process confidently.
At Pro Specialty Services, we work with homeowners and their insurance companies every day. We provide thorough documentation, meet with adjusters, and help ensure you receive fair compensation for legitimate damage.
Caleb Hutchinson
Owner, Pro Specialty Services
"Insurance claims can be frustrating, but most go smoothly when you're prepared. The key is documenting everything before and after the storm, getting a proper professional inspection, and working with a contractor who knows the insurance process. We deal with adjusters regularly and know how to document damage so it's properly accounted for in your claim."
