Aug 09, 2013

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:


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Storm Damage Restoration Reviews:

Salesperson was knowledgeable and helpful with insurance due to hail damage. We had our previous LeafGuard® Gutters over 20 years. Replaced with new LeafGuard® Gutters due to the hail damage. Installation went great. Clean up was good. Highly recommend.

Beth J.
Minnetonka, MN
May 12, 2022

"Installed gutters after a hailstorm. The work was done professionally and looks good."

Michael L.
Eden Prairie, MN
October 25, 2021

"Lindus Construction recently installed a new roof, replaced my soffits/fascia and installed replacement LeafGuard® Gutters that were damaged by hail this summer. (My original gutters were installed in 1999!) I could not be more pleased with their work, professionalism and meticulous attention to detail on all aspects of the project. Even the flashing on the chimney looks 110% better than what had been previously done and is now caulked as well. I highly recommend Lindus and would definitely hire them in the future should a need arise! You will definitely not be disappointed!

Kimberly S.
Richfield, MN
November 30, 2020

"This year we had storm due to hail and our insurance company allowed us to have Lindus Construction replace our gutters and downspouts. They sent a crew out in a timely manner and swap out the old product. Very pleased with the attention to details and professionalism of Lindus Construction.  As a professional realtor since 1986, I have seen a lot of gutter contractors come and go. I always recommend clients talk with Lindus Construction and see for themselves the great value of the LeafGuard® product."

Greg S.
Lakeville, MN
November 21, 2020

"Our home recently sustained damage from a late summer hailstorm. Dealing with insurance and contractors can be stressful but Lindus made it pain free. They installed today during an unexpectedly heavy fall snowstorm. The guys worked hard and as usual they did an amazing job even in terrible conditions. I would recommend Lindus to anyone and I will be working with them again in the future."

Mauri S.
Bloomington, MN
October 20, 2020

"Just want to tell you our LeafGuard® gutters are still holding strong.  No problems for five years.  I've been sweeping, vacuuming to clean up seed pods and helicopters, but none in the gutters.  True mess in spring, leaves in fall, rain, snow, wind, or hail.  Runs clean without fail.  Nothing gets in, not even the squirrel's tail."

Darlene B.
Red Wing, MN
June 6, 2020
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