Navigating an Insurance Claim for Wind/Hail Damage: A Step-by-Step Guide

April 8, 2024

Wind and hailstorms can do a number on your home, especially your roof. If you've found damage, knowing how to handle an insurance claim is key to fixing things quickly and getting the money you're entitled to. Here's a breakdown to make the process easier.

Step 1: Documenting the Damage

First, gather proof of the damage, such as taking photos and videos. Get clear shots of damaged shingles, siding, and gutters—anything the storm might have hit. Don't forget to snap pictures of any damage inside your home. Now, you should save samples. If you can safely collect things like broken shingles, it'll help your claim. Next, write down everything that's damaged, including stuff inside your house.

Step 2: Filing the Insurance Claim

Contact Your Insurer: Start the claim process right away. Insurance policies often have filing time limits.

Review Your Policy: Check what's covered, especially wind and hail. Be sure you understand your deductible (the amount you pay out of pocket) and any coverage limits.

Submit Your Evidence: Send your insurer all those photos, videos, and your list of damaged stuff.

Step 3: Working with the Insurance Adjuster

  • You should be there for the inspection. Walk around with your insurance adjuster to highlight all the damage you see.
  • Your adjuster will estimate how much the repairs should cost.
  • If the estimate seems low, talk it out with your insurer or get a second opinion from a contractor you trust.

Step 4: Choosing a Contractor and Repairs

  • Find a Reputable Contractor: Look for companies specializing in storm damage repair and know how insurance claims work. Get a few quotes, check their references, and ensure they're licensed. Thunderstruck Roofing & Restoration has the experience to help you through every step!
  • It's Your Choice: Remember, you often have the right to choose your contractor.
  • Getting Approval: Your contractor will probably need your insurance company's approval before starting repairs.

Step 5: Additional Tips

  • Keep Good Records: Hang on to every piece of paper and email about your claim.
  • Watch Out for Scams: Be careful of contractors who come knocking without you calling them or who pressure you to sign things immediately. Choose a company you trust, like Thunderstruck Roofing & Restoration.
  • Public Adjuster: If your claim is big or complicated, a public adjuster can help you (they charge a fee).

How Thunderstruck Roofing & Restoration Can Help

Insurance claims can be confusing! That's where Thunderstruck Roofing & Restoration comes in. We offer:

Free Damage Assessments: We'll scrutinize your property and help you spot everything the storm damaged.

Insurance Claim Expertise: We know how to talk to insurance companies and help you get the best settlement possible.

Quality Repairs: Our trained and certified team will make your home look new again.

Conclusion

Wind and hail damage are painful, but understanding the insurance process can relieve some stress. Be patient, don't give up, and get help if needed. Thunderstruck Roofing & Restoration is here to be your partner through the whole thing. Contact us today for a free consultation!

A ladder is sitting on the side of a house.
April 2, 2025
Replacing your roof is key to keeping your home safe and secure from challenging weather. Our roofs endure a lot, whether it's the intense summer heat or winter hailstorms, so it’s important to take good care of them. Paying attention to your roof's condition and ensuring it remains functional is crucial. When it's time for a roof replacement, seeking the help of professionals can truly make a difference in maintaining your home’s structure and functionality.
A room with a dresser and a picture on the wall.
March 26, 2025
Installing Velux skylights is an excellent way to bring natural light, fresh air, and energy efficiency into any home or workspace.
March 3, 2025
Your roof is more than just a cover; it's your family's first line of defense against bad weather, extreme temperatures, and wear and tear from the outside world. Sun, rain, wind, snow, and snow all day long can damage even the strongest roofs over time.
February 27, 2025
Siding protects homes from weather, moisture, and pests. Over time, dirt, mold, and cracks weaken its structure. Without regular care, exterior surfaces lose durability. Trained experts use the right tools and techniques to prevent damage.
February 10, 2025
Even the toughest building materials require maintenance and care. Your roof withstands harsh weather, temperature extremes, and constant exposure to the elements, making periodic repairs an essential part of home maintenance.
January 17, 2025
Your roof plays a vital role in protecting your home. It shields your family from harsh weather and keeps your property safe. However, problems with your roof can arise suddenly. Ignoring these issues may lead to bigger problems. Recognizing the warning signs can help you act quickly.
January 7, 2025
Installing a roof is an essential step in improving the overall appearance of your house or place of business while shielding it from the weather.
December 18, 2024
A roof shields your home and everything inside it. It serves as a barrier against weather, enhancing both comfort and safety. The choice of material impacts durability, energy efficiency, and appearance.
An aerial view of a blue house with a gray roof and black shutters.
November 18, 2024
Your roof works hard to protect your home. It keeps you safe from the elements and helps maintain your property’s value. But, over time, small issues can develop, and ignoring them can lead to expensive repairs.
A close up of a gutter on a roof next to a window.
October 18, 2024
Gutter guards are an effective way to protect your gutters and improve their overall function. They prevent leaves, debris, and other objects from clogging your gutters, which can cause serious damage to your home. Without gutter guards, your gutters may need frequent cleaning, and water could overflow.
More Posts
Share by: