Storm Damage Roof Replacement: How to Get Insurance to Cover It
Severe weather can take a toll on your roof, leading to leaks, missing shingles, and structural damage. If your roof has been affected by a storm, you may be eligible for insurance coverage to help cover the cost of repairs or replacement. However, the claims process can be confusing, and many homeowners struggle to get the full compensation they deserve.
In this guide, we’ll walk you through the step-by-step process of getting your storm-damaged roof replaced through insurance and provide tips to maximize your claim.
📞 Need immediate roof inspection? Call Altru Roofing at (405) 896-0475 today!
1. Assess the Damage Immediately
After a storm, it’s crucial to inspect your roof as soon as it’s safe. Storm damage can worsen over time, so identifying issues early can help you file a strong insurance claim.
Signs of Storm Damage to Look For:
✔ Missing, cracked, or curled shingles
✔ Dents or bruises on asphalt shingles (a sign of hail damage)
✔ Leaks inside your home or water stains on ceilings
✔ Debris or fallen branches on your roof
✔ Granules from shingles collecting in gutters
If you notice any of these issues, document the damage immediately with photos and videos.
2. Contact a Professional Roofer for an Inspection
Before filing an insurance claim, schedule a professional roof inspection. A trusted roofing contractor can:
✅ Identify hidden storm damage that may not be visible from the ground
✅ Provide a detailed damage report to strengthen your insurance claim
✅ Give an estimate for repairs or replacement
📞 Call Altru Roofing at (405) 896-0475 for a free, professional roof inspection!
3. Review Your Homeowner’s Insurance Policy
Not all policies cover the same types of damage. Before filing a claim, check your policy details, including:
✔ What types of storm damage are covered (hail, wind, fallen trees, etc.)
✔ Deductible amounts (the out-of-pocket cost before insurance kicks in)
✔ Policy exclusions (some policies don’t cover older roofs)
If you’re unsure about your coverage, contact your insurance provider for clarification.
4. File a Claim with Your Insurance Company
Once you have your roof inspection report and documentation, it’s time to file your insurance claim.
Steps to File a Claim:
1️⃣ Call your insurance company to report the damage.
2️⃣ Provide the inspection report, photos, and any repair estimates.
3️⃣ Schedule a visit with an insurance adjuster, who will assess the damage.
4️⃣ Work with your roofing contractor to ensure all damages are included in the adjuster’s report.
🔎 Pro Tip: Insurance adjusters may not always spot all damage. Having a roofing professional present during the adjuster’s inspection can help maximize your claim.
5. Understand the Claim Approval & Payout Process
If your claim is approved, your insurance provider will typically:
✔ Issue an initial payment based on the estimated damage.
✔ Require you to choose a licensed roofing contractor to complete repairs.
✔ Release a final payment after the work is completed and inspected.
If your claim is denied or underpaid, you have the right to appeal the decision or request a re-inspection.
6. Choose a Reputable Roofing Contractor
Selecting a trusted, local roofing company ensures high-quality repairs and prevents roofing scams.
Why Choose Altru Roofing?
🏠 Experienced in handling storm damage insurance claims
📑 Provides detailed damage reports for insurance adjusters
🛠 Offers high-quality roof replacement and repair services
📍 Locally owned and operated in Oklahoma City
📞 Call Altru Roofing today at (405) 896-0475 for expert storm damage roof replacement!
Final Thoughts: Get the Insurance Coverage You Deserve
Navigating an insurance claim for storm damage can be overwhelming, but by acting quickly, documenting damage, and working with a trusted roofing contractor, you can maximize your claim and restore your home.
📞 Don’t wait—schedule a free roof inspection with Altru Roofing today at (405) 896-0475 and let us help you through the insurance process!
