Storm Damage & Insurance Restoration

After a storm, the damage that matters is often the damage you cannot see from the ground. Hail bruising, lifted shingles, and creased tabs can look fine from the driveway and still be shortening your roof's life.

What to do after a storm:

1. Stay safe. Keep clear of downed lines and do not climb on a wet roof.

2. Photograph anything you can see from the ground.

3. Call us for a free inspection before you open a claim, so you know what you actually have.

How a claim works:

Your insurer sends an adjuster to decide whether storm damage is present. We meet the adjuster at your home with our own documentation, photos, and measurements, so nothing gets missed. If the roof is approved, your cost is typically your deductible plus any upgrades you choose. If part of the payment is held back as depreciation, it is usually released once the work is complete and documented. That is called recoverable depreciation, and we handle the paperwork for it.

Questions

Should I call my insurance company or a roofer first?

A roofer first. If there is no real damage, you never want a claim on your record for nothing.

What if my claim was denied?

A denial is not always the last word. Better documentation sometimes changes the answer. We will look at what you have and give you an honest read, free.

Does insurance cover a full replacement?

When a covered storm damages the roof beyond sound repair, yes, that is what the coverage is for. Wear and age alone are not covered.