Steps to Ensure Your Insurance Covers Storm Damage Repairs
Storms can wreak havoc on your roof, causing leaks, missing shingles, and even structural damage. If your home has been hit by a severe storm, you might be wondering: Will my insurance cover the cost of repairs?
The insurance claim process for roof damage can be overwhelming, but taking the right steps ensures you receive the compensation you deserve. This guide will walk you through how to file a roof damage claim, what to expect from your insurance company, and how to maximize your chances of approval.
Does Homeowners Insurance Cover Storm Damage?
Most standard homeowners insurance policies cover roof damage caused by sudden and accidental events, including:
✅ Hailstorms – Can cause dents, cracks, or shingle loss.
✅ Windstorms – May tear off shingles, flashing, or gutters.
✅ Heavy Rain & Leaks – Covered if the damage is caused by wind-driven rain.
✅ Fallen Trees & Debris – If a storm knocks down a tree onto your roof, insurance typically covers the damage.
What’s NOT Covered?
❌ Wear and Tear – If your roof is simply old or poorly maintained, insurance won’t pay for repairs.
❌ Gradual Leaks – Long-term water damage not caused by a storm is often denied.
❌ Improper Installation – If previous work was done incorrectly, it may void coverage.
💡 Tip: Check your policy for specific exclusions before filing a claim.
Step-by-Step Guide to Filing a Roof Damage Insurance Claim
Step 1: Assess & Document the Roof Damage
Once the storm has passed, inspect your roof as soon as it’s safe. Look for visible signs of damage, such as:
✔ Missing or curled shingles
✔ Cracks or dents from hail
✔ Leaks or water stains on ceilings
✔ Loose or damaged flashing
📸 Take Clear Photos & Videos
- Capture before-and-after photos if possible.
- Take close-up images of damaged areas.
- Document any fallen tree limbs, debris, or flooding.
💡 Tip: Even minor damage can worsen over time. Document everything to strengthen your claim.
Step 2: Contact a Professional Roofing Contractor
Before reaching out to your insurance company, schedule an inspection with a licensed roofing contractor.
🔨 Why Hire a Roofer First?
- Accurate Damage Assessment – Insurance adjusters may miss hidden damage.
- Professional Documentation – A contractor can provide a detailed report and repair estimate.
- Advocacy During the Claims Process – Many roofers assist homeowners in dealing with insurance companies.
Call Gorilla Roofing for a FREE Inspection!
Step 3: Review Your Insurance Policy
Before filing a claim, understand your coverage:
✔ Deductible: The amount you must pay before insurance kicks in.
✔ Coverage Limits: Maximum payout for roof repairs.
✔ Exclusions: Specific damages not covered by your policy.
✔ Actual Cash Value (ACV) vs. Replacement Cost Value (RCV):
- ACV: Covers the roof’s depreciated value.
- RCV: Covers the full replacement cost.
💡 Tip: If your policy only provides ACV coverage, you may need to cover part of the replacement cost yourself.
Step 4: File Your Roof Damage Insurance Claim
Once you’ve gathered documentation and spoken to a contractor, contact your insurance provider to start the claims process.
How to File a Claim:
1️⃣ Call your insurance company’s claims department.
2️⃣ Provide details about the storm and roof damage.
3️⃣ Submit your photos, videos, and roofing contractor’s inspection report.
4️⃣ Schedule an adjuster’s inspection (next step).
Step 5: Meet with the Insurance Adjuster
Your insurance company will send an adjuster to inspect the damage. This is a critical step in getting your claim approved.
How to Prepare for the Adjuster’s Visit:
✔ Have your roofer present to advocate for you.
✔ Provide your inspection report and estimates.
✔ Walk through all damaged areas with the adjuster.
💡 Tip: Adjusters work for the insurance company, not for you. Having a trusted roofing professional present ensures nothing gets overlooked.
Step 6: Review the Insurance Settlement Offer
Once the adjuster submits their report, you’ll receive a settlement offer outlining how much insurance will pay for repairs.
Key Things to Check:
✔ The scope of work (is everything covered?)
✔ Total payout vs. deductible (how much will you owe?)
✔ ACV vs. RCV (did they account for full replacement cost?)
❌ What If Your Claim is Denied or Underpaid?
- Request a second inspection or an independent appraisal.
- Provide additional evidence (more photos, second contractor estimate).
- Appeal the decision with support from your roofing contractor.
Step 7: Hire a Trusted Roofing Contractor for Repairs
Once you’ve received approval, it’s time to schedule the repairs.
✔ Choose a reputable roofing company with experience handling insurance claims.
✔ Get the work done ASAP to prevent further damage.
✔ Keep all receipts and final invoices for insurance records.
🚨 Beware of Roofing Scams!
- Avoid contractors demanding full payment upfront.
- Beware of out-of-town storm chasers who disappear after doing subpar work.
- Choose a licensed, insured, and local company.
FAQs About Roof Damage Insurance Claims
How long do I have to file a claim after storm damage?
Most insurance policies allow 6 months to 1 year, but it’s best to file immediately after a storm.
Will my insurance premium go up if I file a roof claim?
It depends on your insurer, but claims due to natural disasters usually don’t raise premiums.
What if my insurance only covers part of the repair costs?
You can:
✔ Negotiate with your insurance company.
✔ See if your policy covers supplemental claims.
✔ Finance the remaining balance with flexible payment plans.
Trust Gorilla Roofing to Handle Your Storm Damage Repairs
Dealing with insurance claims for roof damage can be overwhelming, but you don’t have to do it alone! At Gorilla Roofing, we help homeowners:
🏡 Get Free Roof Inspections to assess storm damage.
📑 Work Directly with Insurance Companies to maximize claims.
🔨 Provide Expert Roof Repairs & Replacements with top-quality materials.
📞 636-295-1212
🌐 gorillaroofing.com
Take Control of Your Roof Insurance Claim
Filing a claim for storm damage repairs doesn’t have to be stressful. By documenting damage, hiring a professional roofer, and working closely with your insurance company, you can ensure your insurance covers the necessary repairs.
If you need expert guidance and high-quality roof repairs, we are here to help! At Gorilla Roofing, we help homeowners:
🏡 Get Free Roof Inspections to assess storm damage.
📑 Work Directly with Insurance Companies to maximize claims.
🔨 Provide Expert Roof Repairs & Replacements with top-quality materials.
Contact us today for a free inspection and claims assistance.
📞 636-295-1212
🌐 Request a FREE roofing estimate