When a storm hits, your first priority is protecting your home and family. At Adams & Coe, we understand how overwhelming the aftermath can feel, especially when you’re trying to navigate roof insurance claims. That’s why we’ve created this guide to help homeowners across South Carolina take the right steps toward recovery.
Step 1: Understand the Types of Storm Damage
Storm damage to your roof can happen in many forms:
- Missing or lifted shingles from wind
- Leaks due to water intrusion
- Hail dents or punctures on shingles or metal roofs
- Broken gutters or downspouts
Knowing what to look for is the first step in identifying whether a claim is warranted.
Step 2: Review Your Insurance Policy
Before you file, understand what your policy covers:
- Covered perils: Wind, hail, lightning and fallen trees are usually included.
- Deductibles: Many policies include special deductibles for wind or hail damage.
- Policy type: Know whether you have an Actual Cash Value (ACV) or Replacement Cost Value (RCV) policy.
- Roof age & maintenance: Older or poorly maintained roofs may receive less coverage or be denied.
Step 3: Inspect and Document the Damage
- Take photos and videos of all damage, inside and out.
- Note the date and time of the storm.
- Keep receipts if you had to make emergency repairs.
- Hire a professional roof inspector for a comprehensive assessment.
Step 4: File Your Claim Promptly
Contact your insurer as soon as possible. Most policies have a limited time window for filing claims. Share all documentation with your adjuster and be present during their inspection if possible.
Step 5: Work With the Adjuster
The adjuster will:
- Assess the damage
- Confirm the cause
- Estimate repair or replacement costs
Provide your own documentation and contractor estimates to support your case.
Step 6: Handle Disputes or Denials
If your claim is denied:
- Request a detailed explanation in writing.
- Get a second opinion from a qualified roofing contractor.
- Consider hiring a public adjuster to advocate for you.
- Submit a formal appeal with your additional documentation.
Step 7: Choose the Right Contractor
Hire a licensed, insured contractor with experience in storm damage repairs. Avoid storm-chasing contractors offering too-good-to-be-true deals.
Step 8: Prevent Future Storm Damage
- Invest in storm-resistant roofing materials.
- Schedule annual inspections and maintenance.
- Keep gutters clean and trees trimmed.
- Ask about additional insurance coverage for high-risk areas
Filing a roof insurance claim doesn’t have to be stressful when you understand the process and have the right support.
If your roof has been damaged by a recent storm, don’t go through the insurance process alone. The experts at Adams & Coe can guide you every step of the way, from inspection and documentation to professional repairs. Contact us today to learn how we can help.