When a severe storm hits, your roof is the first line of defense against the elements. Hail, high winds, and heavy rain can cause significant damage, leading to costly repairs or even a full roof replacement. If you find yourself in this situation, filing a hail damage roof insurance claim can help cover the costs—but navigating the roof insurance claim process can be overwhelming.
At Maverick Roofing, we want to make this process as simple as possible for homeowners and commercial property owners in Texas and Eastern New Mexico. Follow these steps to ensure a smooth roofing insurance claim experience and get your property back to top condition.
Step 1: Assess the Damage
After the storm has passed and it’s safe to go outside, take a close look at your roof and surrounding property. Signs of storm damage can include:
- Missing, cracked, or curling shingles
- Dents or bruises on shingles (common with hail damage)
- Leaks or water stains inside your home or building
- Granules collecting in gutters or downspouts
While a quick visual inspection can help, some damage isn’t always obvious. That’s why it’s best to have a professional roofing contractor conduct a thorough assessment. At Maverick Roofing, we offer a free, no-obligation damage assessment to determine whether you need a few simple repairs or if filing a roof insurance claim is necessary.
Step 2: Review Your Insurance Policy
Before filing a roof insurance claim, take a moment to review your homeowners or commercial property insurance policy. Look for details about:
- What types of roof damage are covered
- Your deductible and coverage limits
- Any specific timelines for filing a claim
Every policy is different, so understanding yours can help set expectations before speaking with your provider.
Step 3: Document the Damage
Proper documentation can strengthen your roofing insurance claim and ensures you receive a fair payout. Take the following steps:
- Photograph the damage: Capture clear images of your roof, siding, gutters, and interior damage (if applicable).
- Write detailed notes: Include dates, times, and descriptions of the damage.
- Gather prior maintenance records: Showing proof of regular roof maintenance can demonstrate that the damage was caused by the storm, not neglect.
Step 4: Contact Your Insurance Provider
Once you’ve gathered evidence, reach out to your insurance company to start the roof insurance claim process. Be prepared to provide:
- Your policy number
- A description of the damage
- The date and cause of the storm-related damage
Your insurance provider will assign an adjuster to assess the damage and determine the validity of your claim. Keep records of all communications with your insurer, including emails and phone calls.
Step 5: Meet With the Insurance Adjuster
The adjuster will visit your property to evaluate the damage and determine your claim’s validity. It’s wise to have a roofer present at the adjuster’s inspection to ensure that nothing gets overlooked and to help advocate for a fair settlement. To ensure the best outcome:
- Walk through the inspection with them and point out damage.
- Provide any documentation and photos you’ve collected.
- Request a copy of the adjuster’s report for your records.
If you believe the insurance payout is too low, you have the right to request a second opinion or appeal the decision.
Step 6: Approve the Insurance Estimate & Start Repairs
Once your claim is approved, your insurance company will provide an estimate and disburse payment based on your policy terms. If you receive an initial check, it may cover part of the cost, with the remaining balance issued after repairs are completed.
At Maverick Roofing, we work directly with insurance companies to ensure a seamless process. Once your claim is finalized, we’ll begin repairs or a full roof replacement as needed.
Need Help with Your Roof Insurance Claim? Contact Maverick Roofing Today
Navigating a hail damage roof insurance claim can be stressful, but you don’t have to handle it alone. Maverick Roofing provides professional inspections, detailed reports, and expert repairs for homeowners and businesses in Texas and Eastern New Mexico.
If your roof has been damaged by a storm, don’t wait. Contact us today for a free quote and let us help you through the roof insurance claim process from start to finish.