Filing an insurance claim can be overwhelming. We break down the process step by step to help you get the coverage you deserve.
Insurance Claims Don't Have to Be Stressful
After a storm damages your roof, the last thing you want is to fight with your insurance company. Here's how to navigate the process smoothly and get the coverage you're entitled to.
Step 1: Document Everything Immediately
Before touching anything (if it's safe):
- Take photos from multiple angles
- Record videos showing the extent of damage
- Note the date and time of the storm
- Save any weather reports for that day
Step 2: Prevent Further Damage
Your policy requires you to mitigate additional damage:
- Cover holes with tarps
- Move valuables away from leaks
- Keep receipts for any emergency supplies
Step 3: Call Your Insurance Company
Report the claim as soon as possible:
- Have your policy number ready
- Provide documentation you've gathered
- Ask about your deductible
- Get a claim number and adjuster contact
Step 4: Get a Professional Inspection
Before the adjuster arrives:
- Hire a reputable roofing contractor
- Get a detailed inspection report
- Obtain a written repair estimate
- Document all findings with photos
Step 5: Meet with the Insurance Adjuster
When the adjuster visits:
- Have your contractor present if possible
- Point out all documented damage
- Share your inspection report
- Take notes during the meeting
Step 6: Review the Settlement Offer
Don't accept immediately:
- Compare to your contractor's estimate
- Check what's covered vs. excluded
- Ask questions about any discrepancies
- Request re-inspection if needed
Common Mistakes to Avoid
- Waiting too long to file a claim
- Accepting the first offer without review
- Not documenting pre-repair conditions
- Hiring unlicensed contractors
- Signing anything you don't understand
How Rain Roofing Helps
We handle insurance claims every week. Our team will:
- Provide detailed damage documentation
- Meet with adjusters on your behalf
- Ensure nothing is missed
- Help you get fair compensation
Need help with a claim? Call 806-808-1317 for a free consultation.