Filing an insurance claim for roof storm damage can feel overwhelming. Understanding the process helps Yoakum homeowners navigate claims successfully and receive fair compensation for legitimate damage.
After the Storm
Document Everything
Immediately after it's safe, photograph any visible damage to your roof, gutters, siding, and property. Include wide shots and close-ups. This documentation establishes conditions before any repairs.
Prevent Further Damage
Insurance policies require you to take reasonable steps to prevent additional damage. If your roof is actively leaking, temporary tarping is appropriate. Save receipts for any emergency repairs—these are typically reimbursable.
Contact Your Insurance Company
Report the damage promptly. Most policies require timely notification. The claims department will explain your coverage, deductible, and next steps. Ask about their timeline and what documentation they need.
The Claims Process
Schedule Professional Inspection
Have a qualified roofing professional inspect your roof before the adjuster arrives. RoofingYoakumTX.com provides free storm damage inspections with detailed documentation. We know what adjusters look for and ensure all damage is identified.
Adjuster Visit
The insurance adjuster will inspect your roof to assess damage. We can meet with the adjuster to ensure all damage is recognized. Having a knowledgeable roofing professional present helps ensure nothing is overlooked.
Review the Settlement
You'll receive a settlement offer detailing covered damage and payment. Review it carefully. If damage was missed or undervalued, you can request a re-inspection. We help our customers understand settlements and advocate for fair treatment.
Common Insurance Questions
What's Covered?
Homeowners insurance typically covers sudden damage from covered events like hail, wind, and storms. Age-related wear is generally not covered. Each policy differs—review yours or ask your agent.
Deductibles
Your deductible applies to storm damage claims. Some policies have separate wind/hail deductibles that may be higher than standard deductibles. Know your deductible before filing.
Replacement Cost vs. Actual Cash Value
Replacement cost policies pay to replace damaged items with new materials. Actual cash value deducts depreciation. Know which type of policy you have—it significantly affects your settlement.