Roofing 101

A Quick Guide to Roof Claims Process

If you’re like most people, you have never filed a claim for damage to your home before. Hopefully you never have to.

If you do find yourself in a situation where hail, severe wind or other storm damage has occurred to your roof, working together with an experienced local roofer and your insurance adjustor is imperative.

The experience and knowledge of our local roofing team can be a valuable resource when seeking a settlement with your insurance company. We have been involved in thousands of insurance settlement claims and we know the process like the backs of our hands.

What to look for

The first step after suspecting roof damage is to take inventory of the signs.

Look for:

  • Pooling or standing water on your roof
  • Missing shingles, loose shingles or ripped shingles
  • Loose or missing flashing from around chimneys, vent pipes and skylights
  • Debris including tree branches or building materials on your roof
  • Dents and dimples from large hail
  • Degranulation of shingles. (This is most easily detected by looking for sand-like grains in your gutters)
  • Damaged, dented or loose gutters and downspouts
  • Leaks, water spots or water damage in your attic or ceilings
  • Glimpses of daylight showing through into your attic
  • Fascia or eave damage at the bottom of your roof

Take pictures and make a list of what you find. It can be helpful to step across the street from your home and inspect the roof with a pair of binoculars to get a better view of the big picture.

The next step is to call a local roofing company. Our roofers know exactly what to look for after severe storms have damaged a roof. A close inspection by a professional roofer can also reveal damaged areas that an insurance adjustor may not find. Alternatively, if you suspect damage but are unsure, a professional inspection may reveal your roof is fine and you can avoid an unnecessary insurance claim.

Inspection team

If roof damage is apparent and an insurance adjustor is on the way, have a local roofer join you during the initial inspection. Our roofers know the right questions to ask and have the appropriate equipment to conduct a thorough inspection of your roof. If your claim has been denied, but you still suspect damage, our roofing team can conduct a thorough second inspection that can help you decide whether or not to refile the claim.