Do: get a damage inspection from the right contractor
If you believe you have damage, call a local and reputable roofing contractor. Your contractor should be licensed by the state and fully insured. Use services like the Better Business Bureau to find a trustworthy contracting business. Your contractor should use factory-certified materials such as Owens Corning or CertainTeed. Your contractor will evaluate the extent of the damage, what it will take to repair it, and any additional cost factors to give you a fair assessment of the costs to repair or replace your roof and whether an insurance claim is justifiable. Make it clear that no repairs are to be made during the inspection, and schedule the inspection during a time you can be at home if it makes you more comfortable.
Do: file an insurance claim AFTER you’ve had a proper inspection
First, you’ll need to find your homeowner’s insurance policy number and deductible. Then gather documentation of the damage, which you collected previously, preferably right after the storm. Call your homeowner’s insurance claim number and follow the instructions from there.
After receiving a claim number, make an appointment with your insurance adjuster.
- It is a good idea to share your documentation of the damage with your adjuster.
- If possible, ask your roofing contractor to meet with your insurance adjuster to compare their findings of the damage.
The adjuster will share findings with the claim examiner, who will review all of the information together and relay the final decision and price to you. You will then use the claim check to pay your contractor to either repair or replace your roof.