Insurance claims guide
A clear process and a complete file make storm claims move faster. We document; your carrier decides. Sample guidance, not legal advice.
Claim process, step by step
Mitigate and photograph
Stop additional damage with emergency dry-in and photograph interior and exterior conditions with time stamps.
Report the loss
Notify your carrier or broker according to your policy terms and record the claim number.
Build the damage file
We deliver drone imagery, test squares, cores and a marked roof plan within 72 hours (sample).
Adjuster meeting
We walk the roof with the adjuster, show each finding and note any areas of disagreement.
Scope and repair
Once scope and funding are confirmed, we schedule repairs or replacement matched to the approved scope.
Preparing for the adjuster meeting
Adjusters often inspect many roofs in a day after a big storm. A prepared meeting takes less time and leaves fewer open questions.
- Confirm roof access, ladders and a site contact ahead of time
- Have the damage report and roof plan printed and ready
- Leave test squares marked so impacts can be verified
- Take notes on what is agreed and what needs follow-up
Documentation checklist
Print this list and tick items off as your file comes together.
- Policy number, carrier contact and deductible terms
- Date and approximate time of the storm event
- Dated interior photos of water entry and damaged contents
- Pre-storm roof photos or the latest maintenance report
- Roof plan with damaged areas marked
- Hail test square counts and core sample results
- Receipts for emergency tarping and mitigation
- List of damaged rooftop equipment, skylights and sheet metal
- Names of everyone who met the adjuster and what was agreed
- Written repair or replacement proposal matching the claim scope
This checklist is sample content for general information only. It is not legal advice and does not replace your policy terms.
Claims FAQ
Straight answers on bids, schedules, leaks and warranties. Still stuck? Our estimating desk answers the phone.
No. This page is general information to help you organize documentation. Coverage decisions belong to your carrier, and questions about policy interpretation should go to your broker or an attorney.
Most policies expect reasonable steps to prevent further damage, such as emergency tarping. Photograph everything first and keep receipts. Check your policy for specific requirements.
Yes. We attend inspections with our findings, test squares and core samples so the adjuster sees the same evidence we documented.
We can provide additional documentation or clarify technical findings. For disputes over coverage, talk with your broker, a licensed public adjuster or an attorney.
Need a storm damage report?
We document the roof the way adjusters need to see it.
Free roof survey · Written proposal in 5 to 7 business days (sample)