Storm Damage & Insurance FAQs

Some storm damage is obvious, like missing shingles or fallen limbs. Much of it isn’t, such as hail bruising, cracked shingles, and lost granules. Check gutters for granules, look for dents on metal vents and gutters, and have a roofer inspect after any hail or high-wind storm.

File after a storm only when an inspection confirms real damage that will cost more than your deductible to fix. Most policies have deadlines for reporting damage, so don’t wait long after a storm. Having your roofer present when the adjuster inspects helps make sure all damage is documented.

It depends on your policy and what caused the damage. Most homeowners policies cover sudden damage from covered events like hail, wind, or falling trees. They usually do not cover normal wear and aging. If the repair costs less than your deductible, filing a claim usually doesn’t make sense.

With a replacement cost policy, insurers usually pay in two parts: a first check for the actual cash value (the cost minus depreciation), then the held-back depreciation after the work is finished. Actual cash value policies pay only the depreciated amount. Your deductible is subtracted either way.

Yes. We inspect and document the damage with photos, explain what we found, and can meet with your insurance adjuster during their inspection. We work with homeowners and their insurance companies so covered work is documented properly, but your insurer decides what is covered.