My Roof Has Storm Damage. Now What? Navigating the Insurance Claim Process
- roofersadvantage
- Jul 27
- 2 min read
Updated: Sep 16
Seeing your home damaged after a severe storm is stressful, and the thought of dealing with an insurance claim can feel just as overwhelming. Don't worry. This guide will walk you through the key steps and help you understand the process, so you can get your home back to normal with confidence.
Step 1: Document Damage and Call a Local Roofer
After a storm, and only when it's safe, walk around your property and take photos of any obvious damage from the ground.
Your most important first call isn't to the insurance company—it's to a trusted, local roofing contractor. A professional can assess the full extent of the damage (including things you can't see) and help ensure you have a complete and accurate picture before you even start the claim.
Step 2: Your Roofer is Your Advocate
A good contractor works for you, not the insurance company. They act as your expert advocate. When the insurance adjuster comes to inspect the damage, your roofer should be there too. They can point out specific damages the adjuster might miss and ensure the scope of work is accurate and complete, based on local building codes and material costs.
Step 3: Red Flags to Watch Out For
Unfortunately, big storms can bring out untrustworthy players. Here are a few red flags to keep in mind:
🚩 "Storm Chasers": Be wary of out-of-town companies that show up right after a storm. Stick with a local contractor with a permanent address and a solid reputation in the community.
🚩 High-Pressure Tactics: Never feel pressured to sign a contract on the spot. A professional company will give you a detailed estimate and the time you need to make a decision.
🚩 Vague Promises: Your contractor should provide a detailed, itemized quote that clearly explains the work they will do and the materials they will use.
Navigating an insurance claim is a complex process, but you don't have to do it alone. The team at Bull Construction and Roofing has years of experience helping homeowners in the Tri-State area with their storm damage claims. We're here to be your trusted partner and make sure the job is done right.
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