The insurance claim process for storm-damaged roofs trips up many homeowners because the correct sequence is different from what feels intuitive. This guide explains the steps that protect your claim.
The correct sequence
The instinct after storm damage is to call a contractor and start repairs immediately. The insurance-aware sequence is different: First, document damage before any repairs begin. Then contact your insurer to open a claim. Then have the adjuster inspect. Then proceed with approved repairs or replacement based on the settlement. Starting repairs before the adjuster visit creates coverage complications.
- 1. Document damage with photos before any repairs
- 2. Contact insurer to open the claim
- 3. Get a professional contractor inspection for your own documentation
- 4. Meet with adjuster (ideally with your contractor present)
- 5. Review settlement offer
- 6. Proceed with approved scope
What documentation to gather
Date-stamped photographs of all damage areas, photos of metal components (gutters, vents, HVAC) showing impact evidence, and notes on the storm event (date, approximate time, any nearby observations) form the documentation foundation. If you have a contractor inspection report with photos from before the adjuster visit, it's useful supporting documentation.
ACV vs. RCV coverage
Actual Cash Value (ACV) policies pay the replacement cost minus depreciation—on a 20-year-old roof, depreciation can significantly reduce the payout. Replacement Cost Value (RCV) policies pay the full replacement cost with depreciation typically withheld until work is complete (the recoverable depreciation). Understanding which coverage you have affects how you plan the project financing.
Working with your contractor
A roofing contractor with insurance claim experience can be present at the adjuster inspection to point out items that might be missed, explain findings, and ensure the scope of approved work is appropriate. They should not, however, be promising specific settlement amounts or "working with your deductible" in ways that compromise the claim integrity.
Frequently asked questions
Should I sign an assignment of benefits with my contractor?
Assignment of Benefits (AOB) agreements assign your insurance benefits directly to the contractor. While sometimes legitimate, they remove you from the payment process and can complicate disputes. Understand the agreement fully before signing.
What if the insurance settlement doesn't cover full replacement cost?
If the settlement is less than the actual cost, you can request a re-inspection, have your contractor document the discrepancy, and request a supplement if additional damage was found. The public adjuster process is another option for contested claims.
Does filing a claim affect my premiums?
A single legitimate claim usually doesn't cause significant premium increases, but multiple claims in a short period can. Your agent can advise on the specific implications for your policy and carrier.