What to do after hail or wind damage, how roof documentation works, what an adjuster does, and why no contractor can guarantee claim approval.
Protect people first
Stay away from downed lines, unstable trees, wet electrical areas, and damaged roof sections.
Document visible conditions
Photograph interior leaks, exterior debris, and accessible damage from the ground. Do not climb onto the roof.
Prevent additional damage
Reasonable temporary protection may be appropriate, but save receipts and avoid permanent work until the situation is documented unless necessary for safety.
Review your policy and deductible
Coverage varies. The policyholder should contact the carrier with questions about the claim process and coverage.
Get a professional roof inspection
A roofing contractor can document visible roof conditions and prepare a repair or replacement estimate.
Understand the adjuster’s role
The insurance adjuster evaluates the claim for the carrier. The contractor evaluates the roofing work. Coverage decisions are made by the insurer.
Avoid guarantees
No contractor can guarantee that a claim will be approved or tell you to misrepresent damage. Choose factual documentation and clear scopes of work.