Does homeowner's insurance cover storm roof damage?

Most policies cover wind and hail damage. ACV policies deduct depreciation; RCV policies pay full replacement cost after repair. Know which you have — the difference can be thousands of dollars.

What is a roofing supplement?

A supplement is an additional claim for damage discovered after the initial adjuster assessment — code upgrades, materials found during tear-off, or items the adjuster missed. Legitimate supplements are documented by the contractor and submitted to the insurer.

How long do I have to file a storm damage claim?

Most policies require prompt reporting — typically 30–60 days, though some allow up to 1 year. File as soon as possible. Delayed claims give insurers grounds to question causation.

Should I hire a public adjuster?

For large, complex claims where the insurer's offer appears significantly low, a public adjuster (10–15% of settlement) can increase the payout enough to justify their fee. For straightforward claims, an experienced roofing contractor can handle most supplementing without a PA.

Storm Damage Roof Repair — Find Trusted Roofing Services Professionals

What Is Storm Damage Roof Repair?

Storm damage repair — from hail, high winds, and falling trees — requires prompt response and careful insurance claims navigation for maximum coverage.

Types of Storm Damage

Hail: impacts create bruised asphalt and cracked shingles — often invisible from the ground. High wind: lifted, missing, or torn shingles, failed flashing, ridge cap loss. Tree impact: direct structural damage requiring emergency tarping. Ice dam: water backed behind ice lifts shingles and leaks into walls — requires repair plus attic air sealing to prevent recurrence.

The Insurance Claims Process

Report promptly. Before the adjuster visit: document all damage with photos and video. During the visit: have your contractor present to point out damage the adjuster might miss. After: review the adjuster's report and expect legitimate supplements for additional damage found.

Working with a Claims-Experienced Contractor

Experienced contractors document storm damage properly, communicate with adjusters, and supplement claims for overlooked items. Beware contractors who promise to 'beat your deductible' — that's insurance fraud. A legitimate contractor charges actual costs; your deductible is your responsibility.

After-Storm Contractor Selection

Out-of-area 'storm chasers' flood markets after major events. Some are legitimate; many have no local reputation, skip permits, and disappear before honoring warranties. Prioritize local, established contractors with verifiable local references.

What to Look for in a Roofing Provider

State roofing contractor license and general liability insurance (minimum $1M)
Workers' compensation coverage — critical, as roofing is a high-injury trade
Manufacturer certification (GAF Master Elite, Owens Corning Preferred, etc.) for enhanced warranties
Local reputation: a contractor with years of work in your specific city knows local code requirements
Written material specifications in the estimate — not just a total price
Proper permit pulled for replacement (required in most jurisdictions)

Professional Storm Damage Roof Repair