How to File a Roofing Insurance Claim After a Storm

How to File a Roofing Insurance Claim After a Storm

Navigating the Claims Process for Fast and Fair Compensation

Storms in the Quad Cities can bring hail, high winds, and torrential rain—all of which can cause serious roof damage. If your home has been affected, acting quickly is key to protecting your property and securing a fair insurance payout.

Here’s a step-by-step guide to help you file a roofing insurance claim after a storm, from first inspection to final repair.

1. Inspect Your Roof for Visible Damage

After the storm passes and it’s safe to go outside, do a visual check from the ground. Look for missing shingles, bent flashing, dented gutters, or debris buildup. If possible, take photos or videos to document anything that looks out of place.

⚠️ Safety Tip: Don’t climb on the roof yourself—leave that to professionals.

2. Schedule a Professional Inspection

Contact a local roofing expert to perform a full inspection. Reputable contractors—like Twin Bridge Roofing & Construction—will provide photo documentation, a repair estimate, and note any storm-specific damage.

📸 Why It Matters: Insurance adjusters often rely on contractor documentation to validate claims.

3. Review Your Homeowner’s Insurance Policy

Before calling your insurance company, understand what your policy covers. Most standard policies cover wind, hail, and fallen debris—but not pre-existing damage or gradual wear.

📄 Key Terms to Know:

• ACV (Actual Cash Value): Covers the depreciated value of your roof

• RCV (Replacement Cost Value): Covers full replacement cost minus deductible

4. File the Claim with Your Insurance Provider

Call your insurance company’s claims department or file online. Be ready to provide:

• Date and type of storm

• Description of damage

• Photos/video

• Your roofer’s inspection report (if available)

📞 Timing Tip: File your claim as soon as possible—some policies have strict filing windows (often within 12 months).

5. Meet with the Insurance Adjuster

Your insurer will schedule an adjuster to assess the damage. Make sure your roofing contractor is present during this visit to advocate for a fair assessment and ensure nothing is missed.

🤝 Pro Tip: Having your contractor on-site can lead to faster approval and more accurate estimates.

6. Review the Insurance Estimate

Once your adjuster sends their estimate, compare it with your contractor’s. If items are missing or pricing seems low, your roofer can help supplement the claim with additional documentation.

📑 Know Your Rights: You don’t have to accept the first offer—supplements are a common and necessary part of the process.

7. Authorize the Repairs and Begin Work

Once the claim is approved, you’ll sign a work authorization with your roofer, submit the deductible, and schedule the repair. Most policies pay in two parts: the actual cash value upfront and the remainder after completion.

🛠 Watch For: Ensure your contractor submits all required photos and completion documents to trigger the final payment.

Final Thoughts

Filing a roofing insurance claim doesn’t have to be overwhelming. With the right contractor by your side, you can navigate the process smoothly, get fair compensation, and restore your home without added stress.

Need help filing a storm damage claim in the Quad Cities?
Trust Twin Bridge Roofing & Construction—your local storm restoration specialists and public adjuster advocates.
📞 Call (563) 655-4902 or start your claim at 🌐 www.roofqc.com