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Aug 09, 2013
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How to File a Roof Insurance Claim for Storm Damage

When your home is harmed in a hail storm, it is exposed to the elements that can increase the amount of damage to your home. Most insurance companies will limit the amount of time allowed to file a roof damage insurance claim so a sense of urgency is of the essence. For starters, be wary of insurance companies that want you to use “approved” contractors, as they may have a financial incentive to save the insurance company money at your expense. Our best information that we can give you when in the face of storm damage to your home is to hire a reputable contractor who will represent your best interests. Remember….you have paid your homeowner’s insurance, so make sure you get the maximum out of your claim by reinstalling quality products instead of the cheapest.storm

Insurance Claim Process for Storm Damage to Your Roof

There are so many things going through your mind after a large storm hits your neighborhood and it looks more like a war zone than a picturesque place to live. To make your insurance claim filing process a little easier here are six easy tips.

1) Record the date of the storm. Take pictures all the way around your home of signs of damage that you can see from the ground. Take the time to print off some news stories online regarding the storm hitting your area for proof.

2) Research three reputable construction companies to obtain three estimates or proposals. Ensure that you contractor is doing a full property inspection of your windows, siding, roofing, gutters, just to name a few.

3) Find your homeowner’s insurance policy and read it over carefully. After understanding your policy, contact your claims representative and inform them of your recent storm damage. Be sure to have all of your documentation such as pictures and articles ready to send them as well as the estimate you chose from the three reputable contractors.storm damage

4) Request your insurance adjuster be there the same day as your contractor. Your reputable contractor’s job is to ensure your insurance adjuster plays fair, and provides you with a fair assessment of your property damage.

5) Any type of damage to your home devalues it, so if you claim is denied, understand that you are entitled to meet with three insurance adjusters. Even a relatively small amount of roof damage from a storm should result in an approved claim. Remember you pay your premiums every month!

6) When your roofing insurance claim for storm damage is approved, your insurance company will send you two separate payments. The first payment is for the materials cost of your job. Once your job has passed a city inspection, you will have a chance to approve the work done before making the final payment. Ensure that the work performed is done to your satisfaction and your contractor signs a lien waiver.

Keep in mind that most state laws prohibit insurance companies from cancelling your policy for filing and Act of God storm damage claim. Most of them also cannot raise your rates because of this clause either. If your insurance company says they are going to raise your rates if you file a claim, they have to raise everyone’s rates in your area so don’t feel threatened by the phone pitch they might give you.

Here’s How We Were Able to Assist This Homeowner After a Hail Storm:

Browse Our Storm Repair & Restoration Projects:

Storm Damage Restoration Reviews:

"Two Lindus employees, Wyatt and Eric, did a stellar job replacing my storm-damaged LeafGuard® Gutters. There was a problem at the beginning of the job, which Wyatt handled. I didn't have to worry about anything. They were hard working and very efficient. Wyatt answered all my questions and explained some of the improvements made to the current system. Upon completion, Wyatt took me on a tour of the new gutters and answered all questions. I am totally happy with the excellent job that they did."

Janice N.
St. Paul, MN
October 19, 2024

"I just had my new roof completed yesterday. I will be having new gutters installed next week. From start to finish, Kevin McKeague has been like my personal hero. He went above and beyond to battle with my insurance company to get them to pay up, when they originally were intending to give me hardly a dime. He's been thorough, professional, patient and supportive through the whole process. I can't recommend him enough to be your go to person at Lindus Construction. Lindus Construction as a company also has done an amazing job. Thank you Kevin for all your help!"

Jennifer T.
White Bear Lake, MN
September 25, 2024

"I had Lindus install LeafGuard® a few years ago. We had a strong storm come through a few weeks ago, knocking down trees. Logan came out and did an inspection, telling me the roof and LeafGuard® look great. This tells me Lindus sells and installs very high-quality products and has honest sales reps. Lindus stands for honesty and high quality. I highly recommend Lindus, and we will use them for our next home improvement."

Eric J.
St. Paul, MN
September 13, 2024

"Because of last year's hailstorm, Lindus shingled my house and shed roof, and replaced the old gutters with new LeafGuard®.  I could not be more pleased, with the gutter improvements, and the shingle work that Lindus did. Your are a first class contractor. I am also very pleased with the work that Kevin McKeague did, working with insurance & myself. He was very good."

Ellard K.
Plymouth, MN
May 27, 2024

"Lindus teams helped me through every step of our project to replace our gutters and downspouts that were damaged from hail. Everyone was extremely helpful, knowledgeable and timely. Thanks again for your exceptional service!"

Debra G.
Oak Grove, MN
May 4, 2024

"The work done on my house looks great. Very happy with the final product. Done on time and at the agreed amount. Lindus also worked well with my insurance."

Bob B.
White Bear Lake, MN
February 7, 2024
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