Storm Damage and Your Homeowners Insurance: How the Process Works
After a storm, the insurance process can feel confusing. This is how it usually works, so you know what to expect. Every policy is different: your agent has the final word on what's covered.
1. Document the damage
Photos and video of missing shingles, damaged gutters, dented metal and any water inside. Write down the date of the storm.
2. Protect the home
Most policies expect you to prevent further damage, which usually means an emergency tarp. Keep the receipt.
3. Report the claim
Call your insurance company or file online. They'll assign an adjuster to inspect the damage.
4. Get a contractor's inspection and written estimate
We inspect the roof, document everything with photos and video, and give you a line-by-line written estimate you can share with your insurance. If you'd like, we meet your adjuster on the roof so nothing gets missed.
5. Review the adjuster's report
Compare it with the contractor's findings. If something was missed, you can ask your insurance company how to request a review.
Frequently Asked Questions
Will my insurance pay for a new roof?
It depends on your policy, the cause and the extent of the damage. Only your insurance company can decide that. We document the damage honestly so they have what they need.
Do I have to use the contractor my insurance suggests?
Ask your insurance company about your policy. In general you can get your own estimates.