How to File an Insurance Claim for Storm-Damaged Roof Replacement

If your home has suffered storm damage, navigating the insurance claim process can feel overwhelming. However, following a step-by-step approach can help ensure you receive the coverage you need for a successful roof replacement. In this guide, we’ll walk you through each step of the process, from documenting damage to getting your final insurance check.

1. Photo Document Noticeable Roof Damage from the Ground

Before filing a claim, it’s essential to gather evidence of the storm damage. Use a smartphone or camera to take clear photos and videos of any visible damage from the ground. Focus on signs such as missing or curled shingles, granule loss, dents on metal surfaces, and debris accumulation. If possible, capture wide shots of your roof along with close-ups of the affected areas.

Additionally, document damage to other parts of your property, such as gutters, siding, and outdoor structures, as this can support your claim. If your area experienced hail or strong winds, including pictures of fallen branches or other storm-related impacts can strengthen your case.

2. Review Your Homeowner’s Insurance Policy

After documenting the damage, review your homeowner’s insurance policy to understand your coverage. Look for details about:

• Storm damage coverage (wind, hail, or debris damage)
• Deductibles and coverage limits
• Exclusions and special clauses
• The claims process timeline

If you have difficulty understanding your policy, contact your insurance provider for clarification. Knowing your coverage ahead of time will help you avoid surprises during the claims process.

3. Start the Claim Process with Your Insurance Company

Once you’ve reviewed your policy, call your insurance company to report the damage and initiate a claim. Be prepared to provide:

• Your policy number
• The date and time of the storm
• A brief description of the damage
• Photos and videos you captured

The insurance company will assign a claims adjuster to assess the damage. Keep records of all communications, including claim numbers, adjuster details, and any guidance provided by the insurer.

4. Get a Storm Damage Inspection from a Reputable Roofing Contractor and Adjuster

Hiring a professional roofing contractor to inspect the damage before the insurance adjuster arrives can be beneficial. A reputable contractor, like S&K Construction and Remodeling LLC, can provide an independent assessment to ensure all storm-related damages are properly identified.

During the inspection, the contractor will:

• Check for roof leaks, missing shingles, and structural issues
• Assess gutter and flashing damage
• Provide a detailed damage report with estimates

When the insurance adjuster arrives, your contractor can advocate on your behalf to ensure nothing is overlooked in the claim.

5. Supplement Anything Missing from the Insurance Estimate

Once the adjuster completes their assessment, the insurance company will provide an initial estimate for repairs. However, this estimate may not always include all necessary repairs. If your contractor identifies additional damage that was not covered, they can submit a supplement request with supporting documentation.

Common supplemental claims include:

• Additional labor costs
• Code upgrades required by local regulations
• Hidden structural damage

Working with a contractor experienced in insurance claims can help maximize your payout and ensure your roof is restored correctly.

6. Replace Your Storm-Damaged Roof Per the Scope of Work

After securing approval for the full scope of work, it’s time to move forward with your roof replacement. Ensure you hire a trusted contractor, like S&K Construction and Remodeling LLC, to complete the job using high-quality materials and industry best practices.

Your contractor will:

• Tear off the damaged roof
• Make necessary repairs to the decking and structure
• Install underlayment, shingles, and flashing
• Ensure proper ventilation and waterproofing

Once the roof is installed, the contractor will conduct a final inspection to confirm everything meets code requirements and manufacturer specifications.

7. Get the Final Check to Finish Paying for Your Roof Replacement

Most insurance companies issue claim payments in multiple stages:

1. Initial Check – Covers the estimated cost of repairs based on the adjuster’s report.
2. Supplemental Check – Issued if additional repairs are approved.
3. Final Check – Released after the work is completed and inspected.

Once your roof replacement is finished, submit the necessary documentation, such as invoices and proof of completion, to your insurance provider. After verification, you’ll receive the final payment to close out the claim.

Conclusion

Filing an insurance claim for storm-damaged roof replacement can be a complex process, but following these steps ensures a smooth experience. By documenting damage, understanding your policy, working with a reputable contractor, and supplementing missing costs, you can maximize your claim and restore your roof efficiently.

If you need a storm damage inspection or roof replacement in Youngstown, Ohio, and surrounding areas, contact S&K Construction and Remodeling LLC. As an Owens Corning Preferred Contractor, we specialize in helping homeowners navigate insurance claims while delivering top-quality roofing solutions.