When storms hit, dealing with your insurance company can feel more stressful than the damage itself. This page explains the roof insurance claim process in plain language — inspection, filing, adjuster meetings, supplements, code upgrades, installation, and recoverable depreciation — so you know what to expect. If you want the full routing system (approved, denied, and next steps), go to the Insurance Hub.
Your homeowner’s insurance policy is designed to protect your home when hail, wind, and severe weather strike. But claims can be under-scoped, code-required items can be left out, and sometimes valid claims are denied.
Inspector Roofing and Restoration is inspection-first and documentation-driven. That means we focus on identifying storm-created damage, building clear evidence, and guiding homeowners through the practical steps so the roof can be restored to pre-storm condition or better under current code.
Most storm claims are designed so the homeowner’s responsibility is typically the deductible and any elective upgrades. The rest depends on accurate documentation, scope review, and correct supplements.
A typical storm claim structure:
ACV + Recoverable Depreciation – Deductible = Total Paid by Insurance
Our role is to make sure the RCV scope is complete (including code and required components), and that you receive all recoverable depreciation you’re entitled to after completion.
Six clear steps, designed to reduce surprises and protect your timeline.
Not every roofer understands the insurance side. Our inspection-first approach helps homeowners avoid under-scoped claims, missing system items, and unnecessary delays.
Already denied? Denials often mean the carrier didn’t see enough proof. Route to the Denied/Underpaid page for next steps.
If your roof has qualifying storm damage from hail or wind, many policies cover replacement minus your deductible. Approval depends on the extent of storm-created damage and policy language.
Yes. The deductible is the policyholder’s responsibility and cannot legally be waived. We focus on scope accuracy so your claim reflects a complete roofing system.
It’s usually best to start with a qualified inspection so you know whether a claim is appropriate and have documentation ready before contacting the carrier.
Often, yes. We can review the denial/estimate, reinspect, and help present photo-backed evidence for reinspection or supplemental review.
Time limits vary by policy and carrier. It’s safest to act quickly after a storm and document conditions early.
Before filing an insurance claim, applying for financing, or committing to a roof replacement, it helps to understand what a professional roof inspection actually covers and what to watch out for.
Read our Roof Inspection FAQ →This guide explains when inspections are recommended, free vs paid inspections, what inspectors check, drone vs ladder inspections, and common homeowner red flags.
