How to File a Storm Damage Claim With Homeowners Insurance (Guide)

So your home was hit by a wild storm, and now you’re left with missing shingles or a gaping hole in your roof. It doesn’t get much worse than that, does it? We know that dealing with roof storm damage caused by wind, hail, or rain can cause quite a headache for homeowners. That’s why we’re here to break it down and make it easy to file a storm damage insurance claim quickly.

Keep reading to learn more about:

1. How storm damage to your home can happen
2. Steps to file a homeowners insurance claim for storm damage
3. Tips for getting your insurance company to cover roof repairs

How Does Storm Damage Happen?

Modern roofing materials are built to withstand a wide range of weather conditions, but that doesn’t mean they can’t be damaged by a big enough storm. Homeowners insurance won’t cover every kind of roof damage (unless you pay for a separate policy), but most policies cover common events like:

• Rain and water damage 💦
• Wind damage 💨
• Hail damage 💥
• Fire and flood damage (sometimes) 🔥
• Damage from fallen trees & debris 🌳
• Other “Acts of God” out of your control 🌪

Every homeowners insurance policy will differ, so it’s essential to go over the policy language unique to your own coverage to better understand what you’ll need to do in order to make your storm damage claim. You can learn more about the different types of homeowners insurance available here.

8 Steps for Filing a Storm Damage Insurance Claim

It’s crucial to take action to mitigate any roof damage caused by a recent storm as soon as you notice it. Follow these steps for a smoother experience filing a storm damage insurance claim:

1. Assess the damage – Take a look around your home and yard to assess the extent of any property damage that’s present.
2. Document the damage – When you spot damage, use a smartphone or digital camera to document the extent of it. This will come in handy when filing your claim.
3. Review your insurance policy – Sit down, look through your insurance policy, and read the fine print thoroughly to determine your coverage quickly. Some insurance companies only provide coverage for certain kinds of damage.
4. Contact your insurance company – Once you know whether your storm damage is covered or not, you can contact your insurance company. They’ll help you find local roofers (though we recommend hiring your own), set up an inspection with an insurance adjuster, and start walking you through what they need next in the claims process.
5. Hire a local roofer – Many insurance companies offer recommendations for reputable roofers in your area, but you’re also more than welcome to look for your own. Just take time to do your research and request multiple estimates before settling on someone you trust.
6. File your storm damage insurance claim – With all the necessary documentation and price quotes in hand, you can file your insurance claim. Make sure to note any additional living expenses you’ll be incurring during the repairs, as that might also be reimbursed.
7. Schedule an inspection – After claims are filed, an insurance adjuster will have to come out to look at your roof. This helps them determine your final coverage. Ask your roofer to come to support you during this inspection, as they can give a more concise and professional description of the damage to the adjuster and advocate in your favor.
8. Start your repairs – Once your coverage is determined and you know just how much your insurance company is willing to pay for repairs, you can schedule services with your roofer. Most reputable companies can get the job done in just a few days or less.

There’s no one-way ticket to getting the entirety of your emergency roof repairs covered under your insurance policy. It’s important to work closely with both your insurance agent and roofing company to ensure a smoother, simplified insurance claims process.

Tips to Get Your Insurance Company to Cover Repairs

Everyone knows that dealing with your insurance company can never be simple. It’s basically like an unspoken rule. Read through these valuable tips to get your roof repair or replacement covered by your insurance company:

• Document all roof damage thoroughly
• Take “before” pictures of your roof when possible (to prove the extent of the damage)
• Ask your roofing contractor to come to assist during the insurance adjuster’s visit
• Have your roofer provide a detailed explanation of the project scope and price estimate
• Get help reading through your home insurance policies
• Meet all necessary deadlines and requirements for filing an insurance claim

Here for Emergency Repairs When You Need Them

The only thing worse than realizing that your roof was damaged in a storm, is realizing the damage months later when you start seeing signs of water damage and mold. When you notice the signs of storm damage, it best to get started fixing the problem as soon as possible. One of the best ways to do this is to work with a reputable roofer like Best Exteriors to tackle your emergency roof repairs and handle your storm damage insurance claim with ease.

Contact us today to get the help you need, now.