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How Do Storm Damage Insurance Claims Work?

September , 2021 | 5 min. read

By Anthony Marzbanian

skeleton of roof after storm damage

When it comes to insurance claims after experiencing storm damage, a lot of complications can arise throughout the process. Especially if it is your roof that has been partially or completely blown off. Most homeowners’ insurance policies do not cover roof repairs. But, if yours does then your repair or full replacement after roof storm damage should be worry-free.

If you want to learn more about how to get it right and what aspects to be careful of while filing for an insurance claim after storm damage, then keep reading. We've also put together a short video about insurance claims for you.

 

will my homeowners insurance cover my roofing project

1. Assessing The Roof Storm Damage

The insurance claim process depends on the level of damage incurred. If it’s just an unhinged door or blown away décor items from your patio, filing for insurance claims may not push through. But, in cases where substantial damage has been incurred, filing for insurance claims is the wise thing to do. Once the storm has subsided, it’s time to go outside and identify the areas that need restoration and repair.

Here are the areas you want to have a detailed look at.

  • Your roof – check for any blown away or missing shingles. In many cases, the roof may have been partially or entirely blown off as well.
  • Structural and foundational damage to your property or roof.
  • Cracks on your roof, ceiling, or walls.
  • Leakage – be sure to check your attic and rooms with a lot of windows. This is because water can seep in from the tiniest of crevices and cracks.
  • Fallout – any fallen trees or debris on your roof or landscape. Uprooted trees are a common sight after a storm and can leave the structure of your roof or property compromised.
  • Any signs of broken glass or damage. This can extend from the gas pipeline to the water line and power supply.
  • Broken, damaged, or clogged gutters on the roof.
  • Flooding – this is sure to be found in your basement or along exterior walls.

2. Contacting Your Homeowners Insurance Company

Once the damage has been assessed by a professional, calling your insurance company is the next step. Here you want to provide a detailed insight into the damage that has occurred. If required, you may be asked to send the relevant department pictures of the damage to speed up your claim process.

From here on the representative you are in touch with will provide you with your claim number. An insurance adjuster will call and schedule a time to inspect your property to further the claim process. Depending on the policy and terms in your homeowner’s insurance, the damage that can be claimed will be decided upon. Once the damage is assessed and worth being repaired, the damage claim is approved and you can move on to having the work completed.

3. Calling In AN Experienced Storm Damage Roofing Contractor

Getting in touch with a reliable and experienced contractor is important. You want to stick to calling in the ones that have experience working with insurance claims. This is because the contractor may already have a streamlined process of coordinating and communicating with the insurance company.

Roofer inspecting roof-2

You can get multiple opinions and cost estimates from different contractors if you want. But, it may lead to your insurance company approving the least cost option. We have found that the least cost option may not be the best option when it comes to getting work done on our homes.

 

Pro-Tip – Be Proactive

Restoration-after-storm-damage

 

It is important to note that an experienced storm damage contractor will be able to help settle the claim with your insurance provider so that all the work that will need to be done to get your property back to the pre-storm condition will be paid for by your insurance provider and not out of your pocket. You will only be responsible to pay your deductible.

In addition, you want to be wary of scammers. If a contractor asks for a full payment up-front, chances are they are not certified and do not have the right tools and equipment needed to get the job done efficiently. Also, no work should be done until the damage claim is approved and funded.

Insurance Claims for Roof Repairs

When it comes to roof repairs, insurance claims can be either partial or can cover matching issues. The loss in the durability and longevity of the roof may make your home or property unsafe to live in. Thus, a homeowner’s insurance, if it is covered for roof damage due to weather-related incidents, will cover the roof repair cost, even if it has had partial damage incurred to it.

Signs of Hail Damage

In addition, the insurance company may also cover the roof repair in case of matching issues and material unavailability. Here an entire roof replacement may be needed to ensure secondary damage is mitigated.

4. Post Repair And Restoration

Once the repair and restoration process has been completed, your professional storm damage contractor will provide your insurance provider with the necessary documents to have the final payments released and the settlement of the claim completed and closed out. The time taken for this often depends on the severity of the damage and the time taken for repair.

The Key Roof Insurance Claim Takeaways

Storms can be destructive and create havoc. However, what matters is how promptly and efficiently you act once it has died down. And calling up your preferred local storm damage contractor to confirm damages is the first thing that should come to your mind. They will help document all the damage that has taken place and ensure that your insurance company provides the needed funds to put your property back in pre-storm condition.

To locate a great local roofing contractor that’s the best fit for you, RoofCrafters has provided a checklist of questions to ask your local roofing contractor, along with the right answers that you need to get back when you meet with these roofing contractors.

So, now that you know how you can mitigate the damage and prevent secondary damage after a storm, you can get down to following the steps provided here. And, if you don’t already have homeowners insurance, you might want to think it through and get a policy today.

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Anthony Marzbanian

At RoofCrafters, our mission is to provide job opportunities for others to thrive and grow while making a meaningful impact within our communities.