Living in the Dallas-Fort Worth (DFW) area, you know how unpredictable and damaging the weather can be. From hailstorms to tornadoes, storm damage to your roof can lead to costly repairs. Filing a roof insurance claim can be a complex process, but with the right guidance, you can maximize your coverage and protect your home.
In this guide, we’ll walk you through the roof insurance claim process step-by-step to ensure you get the settlement you deserve.
1. Document the Storm Damage Immediately
Detailed documentation is crucial for a successful roof insurance claim. As soon as it’s safe, use your phone or camera to capture clear, high-quality photos and videos of the damage. Include wide shots of the roof and close-ups of visible damage like missing shingles, dents from hail, leaks, or broken gutters.
Also, note the date and time the storm occurred and, if possible, retrieve weather reports to support your claim. Documentation helps build your case and speeds up the insurance process.
2. Call Us for a Professional Roof Inspection
Before contacting your insurance company, call DFW Storm Restoration for a professional roof inspection. Our expert team will assess the condition of your roof and spot any damage that might be overlooked. During our inspection, we:
- Tarp-exposed areas to prevent further damage.
- Take extensive pictures and detailed notes of all damage.
- Provide a full report to serve as documentation for the insurance claim and future reference in case of missed items in the adjuster report.
Having our team inspect your roof first ensures you’re prepared to present your case to the insurance company backed by evidence.
3. Together, We Will Contact Your Insurance Company
Once the damage is documented, the next step is to contact your insurance company. We will guide you through this process and provide a detailed description of the storm damage to ensure all necessary repairs are noted.
When you file a claim, your insurance company will assign you a claim number and schedule an adjuster to inspect the roof. We will submit all documentation, including photos and our inspection report, before the adjuster arrives, ensuring the process moves smoothly and efficiently.
4. We Will Be There When the Adjuster Arrives
Having representation during the insurance adjuster’s inspection is essential to ensure no damage goes unnoticed. We will be present during the inspection, advocating on your behalf. Our team will:
- Point out all storm-related damage that needs to be addressed.
- Ensure the adjuster performs a thorough assessment.
- Help protect you from an undervalued claim.
This step is critical because having a professional roofer on-site with the adjuster ensures you receive fair compensation for all the storm damage your property sustained.
5. Understand the Estimate and Settlement Offer
After the inspection, your insurance company will send you a settlement offer. We will review this offer together, comparing it with our findings to ensure that all damage has been accounted for and is properly covered.
If the settlement seems low, we can help negotiate or request a second inspection. With our expertise, you’ll have peace of mind knowing that the settlement will cover the costs of repairing or replacing your roof.
6. Schedule Roof Repairs
At DFW Storm Restoration, we specialize in storm damage roof and interior repair and are familiar with the unique challenges that DFW weather can present. We will ensure your roof is restored to its original strength and protect your home from future weather events.
Why Choose DFW Storm Restoration in DFW?
Filing a roof insurance claim after storm damage can be daunting, but with us on your side, you’ll have professional support every step of the way. Our experienced team handles everything from inspections to final repairs, ensuring a stress-free process.
As a trusted roofing company serving Flower Mound, Frisco, Plano, Richardson, Little Elm, Celina, McKinney, Allen, and the greater DFW area, we are committed to helping you get the compensation you deserve.