Roof Insurance Claim Process After Storm Damage
Serving Brentwood, Franklin, and Nashville
Navigating the Roof Insurance Claim Process After a Storm
When a storm hits, your roof is your home’s first line of defense. High winds, hail, and heavy rain can leave behind significant damage, and knowing what to do next can make all the difference in getting your roof repaired quickly. This guide walks you through the roof insurance claim process so you can take the right steps after a storm and maximize your insurance coverage.
Step 1: Inspect Your Roof for Damage
After the storm passes, check your roof for visible damage. Look for missing shingles, dents, leaks, or any debris that may have caused impact damage. Be sure to take photos and videos from multiple angles as proof for your insurance claim. If you’re unsure or feel unsafe inspecting your roof, call a professional roofing contractor.
Step 2: Contact Your Insurance Company
Notify your insurance provider as soon as possible. Give them a detailed report of the damage and let them know you will be filing a claim. Your insurance company will schedule an adjuster to inspect your roof and assess the damage.
Step 3: Schedule a Professional Roof Inspection
While waiting for the insurance adjuster, it’s smart to have a professional roofing contractor inspect your roof. At Nashville Roofing Company, we provide a thorough assessment to identify hidden damage that insurance adjusters might miss. Our detailed report can strengthen your claim and ensure all necessary repairs are covered.
Step 4: File Your Claim & Submit Documentation
Once your inspection is complete, work with your insurance company to officially file your claim. Provide them with all necessary documentation, including:
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Photos and videos of the damage
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Inspection report from Nashville Roofing Company
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Any repair estimates
Timely and accurate documentation can speed up the approval process.
Step 5: Review Your Policy & Coverage
Understanding your insurance policy is key. Coverage varies depending on the policy type and your deductible. Nashville Roofing Company can help you navigate your policy’s terms, ensuring you receive the best possible coverage for your roof repairs.
Step 6: Meet with the Insurance Adjuster
Your insurance adjuster will assess the damage to determine the claim amount. Having a professional roofing contractor present during this inspection ensures that all damage is properly accounted for, preventing the risk of a low estimate.
Step 7: Get Your Claim Approved & Schedule Repairs
Once your claim is approved, it’s time to schedule repairs. Choosing an experienced roofing contractor like Nashville Roofing Company ensures that your roof is restored quickly and professionally, with high-quality materials designed to withstand future storms.
FAQs About Roof Insurance Claims
1. What should I do immediately after a storm if I suspect roof damage?
Inspect your roof visually for damage, take photos, and document everything. If you suspect damage, contact a roofing professional for an inspection.
2. How soon should I file an insurance claim after discovering roof damage?
You should file your claim as soon as possible to avoid delays. Insurance companies often have deadlines for storm damage claims.
3. Do I need a professional inspection before filing a claim?
Yes. A roofing contractor’s inspection ensures that all damage is documented properly, increasing your chances of a successful claim.
4. What if my claim is denied?
If your claim is denied, you can appeal the decision. Nashville Roofing Company can provide additional evidence to support your appeal.
5. How long does it take to repair a storm-damaged roof?
Repair timelines depend on the extent of the damage and material availability. Our team works efficiently to restore your roof as quickly as possible.
6. Will filing a claim increase my insurance premium?
It depends on your insurance provider. Some companies may adjust premiums based on the number of claims filed in your area.
7. How can I prevent future storm damage?
Regular roof maintenance, high-quality materials, and trimming nearby trees can help protect your roof from future storm damage.
Understanding the Types of Wind and Hail Insurance Coverage
- ACV – Actual Cash Value. Pays less than the cost of replacement if your roof is older. Replacement minus depreciation.
- RCV – Replacement Cost Value– Pays the cost of replacing your roof minus your deductible
Why Choose Nashville Roofing Company?
With years of experience serving Brentwood, Franklin, and Nashville, we specialize in handling storm-damaged roofs and insurance claims. Our team is here to guide you through every step, from inspections to repairs, ensuring you get the coverage you deserve and a durable roof over your head.
If your roof has been damaged by a storm, don’t wait. Contact Nashville Roofing Company today for a free inspection and expert assistance with your insurance claim.
Case Studies
CASE #1 New Roof $3,500.
Insurance company agreed to only pay $180 for some missing shingles. After our team got involved, the insurance company sent your neighbor $3,500 for a new roof.
CASE #2 New roof $12,100.
We were contacted for a new roof quote because the neighbors were getting new roofs installed after a storm. We found storm damage, but they had recently cancelled their policy and changed insurance companies. Our experts were able to get the insurance company to award a check for $12,100 for a new roof.
CASE #3 New Roof $16,000.
Insurance company DECLINED to pay for storm damage, TWICE! But our team is persistent. We assisted in re-opening the claim and met with the adjuster. The insurance company ended up awarding our client $16,000 for a new roof.
Reviews From Past Customers
“Insurance covered the cost of my roof”
“Rob came out and gave me a quote the same day that I called. He was prompt, courteous and professional. The best thing is that he was able to get insurance to cover the cost of my roof when I did not think it was possible. He met the adjuster and handled all of the busy work with the insurance company. The old roofing was removed, decking replaced, and new roof installed in a couple days. They also did a great job cleaning up. These guys are the best.”
“HONESTY and KNOWLEDGE“
EXCEPTIONAL!!! Tyson came out to inspect my roof and I could not ask for a more professional and friendly person. I was expecting to pay for a new roof but his HONESTY and KNOWLEDGE suggested other options. Not only will I use this company in the future, but I highly recommend it to anyone that doesn’t want to feel like just another sale. Thanks again Nashville Roofing Co.
“Highly recommend Nashville Roofing Company”
Recently our home received storm damage and a new roof was going to be needed. Being fairly new homeowners, we were overwhelmed with where to start and who to chose to replace our roof. After searching reviews for roofing companies, we chose Nashville Roofing Company solely by their reviews and we are so glad we did!! Tyson was so helpful guiding us through the process and answering every question honestly that we asked. His crew showed up exactly when he said they would and got right to work. Once the work was completed, they cleaned up and left hardly a trace of evidence that they were even there!! We also had downspouts and gutter screens put on and we are very pleased with those too! We highly recommend Nashville Roofing Company to anyone who has roofing needs.
Think you might have storm damage?
If you think your roof is damaged during a storm, contact us. We will come out and look at it, take pictures and give you a full report. We will assist you with the roof insurance claim process and let you know what to say to your insurance agent about the damage. Also, you will also need to ask about their policy regarding the filing of roof insurance claims for storm damage. Your agent will let you know about the procedures and deadlines. If you need help talking to your agent, we can assist you. We will also be glad to meet the adjuster on the roof and point out what we found so you are fully compensated.
Roof insurance claims for storm damage to your roof:
We can explain to your adjuster, in detail, exactly what damage was found during our inspection and the date of the occurrence. If your roof is leaking, it will need to be repaired or replaced immediately to avoid further damage to the interior of your home.
We can get a crew out right away to patch holes with waterproof plywood or a tarp until it can be properly repaired. It’s important to inform your agent of any repairs that need to be made. We are experts at the roof insurance claim process and will help you get the maximum claim amount you are entitled to. In most cases, we can get your new roof put on at no cost to you.
Contact Your Insurance Agent
After you contact your insurance agent, you will be contacted by the department that handles roof insurance claims for storm damage. Then an adjuster will contact you. The adjuster will want to see the damage, we will meet them at the house during the inspection and go over all of the damage to be sure they don’t miss anything. Sometimes they just want photos of the damage, so we take photos of what we find on our roof inspection and will provide them to the insurance company on your behalf. We are the premier roofing company for roofing services in the Nashville TN area. Proudly serving Nashville, Brentwood, Franklin areas to include Davidson, Williamson counties and surrounding middle Tennessee areas.