Blog Post

Hurricanes and severe storms don’t just leave physical damage behind—they can also leave you facing a frustrating insurance claims process. If your roof has been damaged, filing a claim might feel overwhelming, especially if it’s your first time dealing with one. To help make the process smoother and less stressful, here’s what you need to know about filing a roof insurance claim after a storm.

Document the Damage Immediately

Take clear photos and videos of all visible storm damage, including broken flashing, missing shingles, fallen tree branches, and interior signs of water damage. This visual proof is crucial when presenting your case to insurance companies. As such, be sure to document the condition of your attic and ceilings as well, especially if rain or water intrusion is evident.

Review Your Insurance Policy

Look closely at your home insurance and property insurance documents to understand your coverage details, including your deductible and any clauses related to hail, wind, and flood damage. Confirm if your policy covers the actual cash value or replacement cost of your roof. Knowing the type of coverage will help you anticipate the payment amount and address potential issues like depreciation.

Schedule a Professional Roof Inspection

Contact a qualified roofer for a thorough inspection of your property to identify both visible and hidden damage. Ask for a detailed report that you can submit with your claim to validate the need for repairs or full replacement. Inspections following severe weather can uncover structural issues not immediately visible to homeowners.

Secure Your Property from Further Harm

Make temporary repairs to reduce risk and prevent additional damage, such as covering holes with tarps or removing debris from the roof and attic. Save receipts for any emergency expenses — they may be reimbursed by your insurance. Preventing further water damage or flood risk is key to protecting your property’s value and reducing additional repair costs.

Notify Your Insurance Company Promptly

Report the storm damage to your insurance company as soon as possible to start the claim process. Quick communication can speed up inspection and payment timelines. Delayed reporting can increase your risk of claim denial or lower reimbursement based on policy terms.

Request a Copy of the Adjuster’s Report

After the inspection, ask the adjuster for a written report to understand what was documented and how the damage was assessed. Cross-check this with your roofer’s findings to avoid depreciation disputes. Discrepancies in these reports can impact the total cost covered by your insurer.

Understand the Claims Process and Timeline

Ask questions about how long the claim will take, what documents are needed, and how payment will be issued. Knowing your policy’s timeline and steps helps avoid delays and surprises. Be proactive in following up with your insurer to keep the process moving efficiently.

Track All Communications and Expenses

Keep detailed records of every phone call, email, and invoice related to your storm damage claim. Accurate documentation helps in resolving disputes and justifying costs related to roof replacement or repairs. A clear paper trail can also support any appeals or reviews required by your insurance provider.

Hire a Roofer with Insurance Experience

Work with a licensed roofer familiar with home insurance claims and severe weather damage. This expert can help you navigate storm-related repairs, warranty concerns, and cost estimates. Their experience can also support stronger documentation and communication with insurance companies.

If You Need Roof Repair After a Major Storm, Speak With DC Roofing

Recovering from a destructive storm can be a stressful experience, which is why we're here to make it easy. DC Roofing specializes in professional roof replacements in Naples and is ready to help whenever you need emergency repairs.

Reach out today to learn more about how we can return normalcy to your home after a hurricane.