Ah, summer storms may bring much-needed rain to your garden or offer that cozy thunderstorm vibe for a night in, but they can also wreak havoc on your roof. Whether it’s hail, wind, or heavy rain, your roof takes the brunt of the damage when it’s extreme. And once the storm clears, you’re left with a critical question once you know that you have damage: How do I file a roofing claim?

If you’re feeling overwhelmed at the thought of dealing with insurance, don’t worry—you’re not alone. Filing a roof damage claim after a storm can seem like navigating a maze of paperwork, estimates, and adjuster appointments. But with the proper preparation, a little know-how, and some patience, you can get the help you need to restore your home to its pre-storm condition—and potentially save money.

In this comprehensive guide, we’ll walk you through the entire process of filing a damage insurance claim, from documenting the damage to working with your insurance adjuster and choosing the right contractor. Let’s dive in!

Step 1: Assessing the Storm Damage to Your Roof

First things first: before you even think about picking up the phone, call your insurance company, take a deep breath, and assess the damage. Your insurance claim’s success will rely heavily on how thoroughly and accurately the roof damage is documented. Here’s how you can file an insurance claim for roof damage after a storm:

1.1. Don’t Rush Out Immediately

You might be itching to check your roof right away during a storm. However, safety is key. If the storm is still active or there’s a chance of additional weather events, wait until the weather clears, and it’s safe to go outside. Never attempt to inspect your roof during active storms or when conditions are unsafe.

There… we said it.

1.2. Look for Obvious Signs of Damage

Start by inspecting the roof from the ground level. Walk around the house and look for damage. For the roof, you can use binoculars if you have them to avoid unnecessary climbing, or if you have a second story, you can look out the windows that overlook your roof, other windows, siding, and more. Look for noticeable signs of damage like:

• Missing shingles or tiles
• Bent or broken metal flashing
• Dents or cracks in shingles, especially from hail
• Cracked or missing gutter sections
• Water stains inside the home, which could signal leaks
• Broken window panes
• Hail splatter marks on siding and fencing
• Paint dents or chips

1.3. Document the Damage

Take clear, dated photos from multiple angles to document the damage. Be sure to include:

• Wide shots of the roof from different angles
• Close-up shots of damaged shingles, tiles, or metal roofing
• Any other affected areas, such as gutters or fascia
• Interior shots showing water leaks (if any)
• Look at the windows, siding, and paint to see if there is other damage

Don’t forget to take a few wide shots of your neighborhood. If a storm affected multiple homes in your area, showing that hail damage is widespread can help validate your insurance claim for roof damage.

Tip: If you can’t safely access your roof or don’t feel comfortable doing so, call a professional roofing contractor like Denny’s Roofing to inspect it. You don’t need to go up there. We Inspect immediately and perform the initial inspection for FREE.

We will also help document inspection damage with a professional eye and provide an idea of what your insurance company will come up with as a “scope of work” estimate for repairs.

Step 2: Contact Your Insurance Company

Once the damage is documented and an expert Project Manager from Denny’s Roofing inspects your roof, we will inform you that it’s time to contact your insurance company. It’s essential to act promptly if you have extreme damage — and many insurers have time limits for filing storm damage claims. Most are at least a year from the date of loss, and State Farm even gives you two years to complete repairs. So, make sure you file your claim promptly after the storm.

Again, talk to your Denny’s Roofing Project Manager so that they can give you a good idea of when to file a claim. Please don’t do it until you confirm the damage with an expert who knows what to look for.

2.1. Know Your Policy

Before you call your insurer, take a few minutes to review your homeowner’s insurance policy if you have it. Look for these key sections:

• Coverage for storm damage: Some policies may only cover particular storms (e.g., hail or wind).
• Deductibles: Depending on the policy, you may have a higher deductible for roof damage due to storms. Know how much you’ll need to pay out-of-pocket before your coverage kicks in.
• Exclusions: Check for any exclusions oration that would prevent storm-related damage from being covered (like wear and tear, neglect, etc.)

It’s always good to be informed so you know what to expect when talking with your claim adjuster when they come out to inspect their records. If you are unsure what to look for in your policy, you can call your insurance agent, talk to the claims agent, or call us at Denny’s Roofing, and we will explain it all to you.

We are experts in the insurance claims process. We even have people in our office who only deal with Insurance claims. It’s a daunting process at first, but take one step at a time and contact us so we can help you.

2.2. Make the Call

Once you’re ready, contact your insurance company to file your claim. You can typically do this by calling their claims department or using their online portal if they have one.

When speaking with the representative, be sure to provide:

• The date and time of the storm (if you don’t know it – your Project Manager will)
• Your policy number
• Details about the damage. Be specific. Mention the roof damage you’ve noticed, including missing shingles, cracks, leaks, etc.

Don’t be afraid to ask questions about the claims process—this is your home, and you want to ensure everything is handled correctly. Ask how long the process will take, what documents are required, and how to schedule the inspection.

Step 3: Work with Your Adjuster

After the inspection claim, the next step will be talking with an insurance adjuster from your carrier that will be assigned to your claim. An adjuster is a professional from your carrier who will inspect the damage, assess the cost of repairs, and determine whether your claim is approved. They will document as much damage as they can find. They also miss items that should be included in their initial estimate.

3.1. Schedule the Adjuster’s Visit

The insurance company will assign a Field Adjuster to visit your home to evaluate the damage. We highly recommend having a Denny’s Roofing Project Manager at the InsInspection to ensure your insurance adjusts and inspects the damage you and your Project Manager see. It’s good if you are home for the inspection. You can walk through the damage with the inspection manager and answer any questions they may have. And if you can’t attend, Denny or someone on his team will be there to ensure it all goes as it should. You will have expert representation from a licensed roofing company. We promise.

3.2. Be Prepared to Answer Questions

When you talk to your adjuster before coming out, they may ask you questions about the storm and the damage to your roof. Be honest and thorough, but keep in mind that they are looking for specific details about the damage, so:

• Don’t overstate the damage: Only mention what you have documented.
• Be clear about the storm’s severity: If you live in an area known for hail or wind, highlight the storm’s strength. They will know how damaging the storm was when they get out to look. They will have pulled specific reports and most likely have done other inspections of one of your neighbor’s damage, too. Each home is different because of the materials used on your roof. So, you may or may not be affected just because you see other folks having issues.

3.3. Understand the Adjuster’s Report

After the inspection, the adjuster will write a report and inspect your insurance company. This report will include an estimate of the repair costs. You should receive a copy of this report detailing what’s covered, how much the insurance company is willing to pay based on what they have inspected, any exclusions, and any areas that might require what are called “supplements.” These expenses will be added to the claim as your Contractor proceeds with the repairs.

Tip: If you or our Project Manager disagree with the adjuster’s findings or the estimate seems too low, your Project Manager will see the issue and challenge the decision on your behalf. Don’t be afraid to bring us in to be your advocate as a professional and provide an expert opinion if you haven’t already done so.

Step 4: Hire a Roofing Contractor

Once your insurance company has approved your claim, you can officially hire us as your contractor by signing a contract for the specific work and using the Insurance company’s Estimate to make the repairs.
The fun part begins with choosing the right roofing contractor, like Denny’s Roofing, to fix the damage. The key is finding someone who’s experienced, reliable, and, preferably, already working with your insurance company and a good communicator.

4.1. Should I Get Multiple Estimates?

Roofing repairs with an insurance claim differ from regular construction, especially if you have received a recommendation from your Insurance Agent or a friend. Recommended Contractors have been vetted and will do great if you get along with them.

Please do not hire a door-knocking contractor without doing your homework. Make sure they are local to Colorado and have a good reputation. Storm chasers from out of state come and go. Do not make that mistake.

Suppose you don’t have someone who highly recommended it. In that case, it can be a good idea to get at least two or three companies to send out representatives who can look at your roof and give you their opinion to get a feel for how they see your claim, especially if you have picked up your contractor off the internet. This gives you a better sense of their process.

All Insurance claims are paid out at the same rates based on local labor and material costs configured into the estimate. So, getting an estimate after you have received one from your homeowner’s insurance company is redundant. Remember, however, that price shouldn’t necessarily be a consideration—look for a contractor with a solid reputation for quality work and someone who is professional and responsive.

Your Insurance company fixes pricing. Contractors all get paid the same thing.

4.2. Work with an Insurance-Friendly Contractor

Many roofing contractors have experience working with insurance claims. They understand how the process works and can help guide you through it. A good contractor will:

• Look for vetted sub-contractors (if needed) who are licensed and insured
• Ensure that your claim is processed promptly so the repairs can be completed
• Offer an artistry warranty on the new roof

4.3. Understand Your Deductible

When you receive the estimate from the contractor and have an RCV policy, remember that your insurance company will typically only cover the cost of the repairs after your deductible is applied. If your deductible is $1,000, for example, and the repairs are estimated at $5,000, you’ll pay $1,000 out-of-pocket, and your insurance will cover the remaining $4,000.

Not sure… Contact your Denny’s Roofing Project Manager for help.

Step 5: Finalizing the Claim and Repairs

Once you’ve chosen a contractor and signed a contract authorizing them as your Roofer/Contractor, they will get a permit from the city or county to begin the roof repairs. Be sure to communicate with your contractor and insurance adjuster throughout the process. After the repairs are completed, you’ll need to have your contractor submit the final invoice to your insurance company to release your depreciation, which the insurance agency has held back to ensure that you completed the majority of the repairs.

5.1. Review the Final Invoice

Ensure the final invoice matches the estimate provided and that all the work has been completed to your satisfaction. Go over the line items in the insurance estimate with your Contractor. Once your insurance company receives the invoice, they will pay the remaining balance. They will send you a check that you can then pay your contractor.

Other Popular Questions We Receive About Roof Replacement and Roof Storm Damage

Q: What should I do as soon as I suspect roof damage?

A: As soon as you suspect roof damage, it’s essential to document the damage and contact your insurance company to understand your insurance policy regarding roof damage. This will help you prepare to file a claim if necessary.

Q: How do I file a roof damage insurance claim?

A: To file a roof damage insurance claim, document the damage with photos and a detailed description. Then, contact your insurance company to initiate the claim process and provide the necessary information to file a claim.

Q: What types of roof damage are typically covered under a homeowners insurance policy?

A: Homeowners insurance typically covers roof damage caused by specific events such as hail, wind, and other natural disasters. However, it’s essential to review your policy to understand the types of damage covered.

Q: How long must I file an insurance claim for roof damage?

A: The deadline for filing an insurance claim for roof damage varies by insurance company and policy, but it’s generally advisable to file claims as soon as possible. Check your policy for specific timelines and requirements.

Q: What can I expect during the insurance claim process for roof damage?

A: During the insurance claim process for roof damage, an insurance adjuster will assess the extent of the damage and determine the cost value of your roof. They’ll either approve your claim or explain if it’s denied.

Q: Can I get a second opinion on the damage before filing a claim?

A: You can get a second opinion on the roof damage before filing a claim. This can be helpful to ensure you have a clear understanding of the extent of the damage and the necessary repairs before you file a roof damage insurance claim.

Q: What happens if my insurance company only pays the depreciated value of my roof?

A: If your insurance company only pays the depreciated value of your roof, you may need to cover the difference if you choose to replace your entire roof. Understanding how your homeowner’s insurance policy calculates the depreciated value and what that means for your claim is essential.

Q: What should I include when documenting the damage for my claim?

A: When documenting the damage for your claim, include clear photos, a written description of the signs of storm damage, and any estimates you have received for repairs. This information will support your roof damage insurance claim.

Q: Is filing an insurance claim for minor roof damage necessary?

A: It may not be necessary to file an insurance claim for minor roof damage, especially if the cost of repairs is less than your deductible. However, weighing the long-term implications and consulting with your insurance company regarding the best course of action is essential.

Conclusion: A Smoother Roof Claim Process

Filing a roofing claim after storm damage may seem like a complex and stressful process, but with the right approach, it can go smoothly, especially if you have a licensed roofing company to assist you. By documenting the damage carefully, understanding your policy, and working closely with your adjuster and contractor, you can ensure that your roof gets the repairs it needs— without the possible headaches that can arise.

Hire Denny’s Roofing to guide you through the process.

You will be glad you did.

And remember: storms come and go, but a well-maintained roof is your home’s best line of defense. Regular roof inspections and timely repairs will ensure that your home stays safe, no matter what Mother Nature throws your way.

When protecting your home, your roof is truly the MVP. It stands guard against rain, wind, snow, sun, and, of course, hail. If you live in a hail-prone area, you’re probably all too familiar with the anxiety accompanying a thunderstorm during hail season — wondering if today’s weather will leave your roof battered or even seriously damaged. This is a relatively common occurrence here on Colorado’s Front Range.

Here’s the thing: Not all roofs are created equal regarding hail resistance. Whether you’re replacing your roof after a storm or just looking to upgrade before the next one hits, the material you choose will significantly impact how well your roof stands up to hail. But how do you know the best roofing material for hail-prone areas?

This guide will compare the top roofing materials—asphalt shingles, metal, and tile—regarding their hail resistance and other essential factors. We’ll also discuss how to choose the right material based on where you live, plus the pros and cons of each material regarding extreme weather. Buckle up! We’re about to dive into the world of roofing materials in a way that’s informative, fun, and, dare we say, a little playful.

Hail 101: Why Does It Matter?

Before we get into the materials, let’s quickly talk about hail.

It’s one of Mother Nature’s more unpredictable challenges, especially during a hail storm. Hailstones can vary significantly, from tiny pea-sized pebbles to golf-ball-sized stones. And every once in a great while… our area gets hit by softball-sized monster hail stones that can cause massive damage.

According to the National Weather Service, hail causes more than $1 billion in property damage yearly in the U.S. alone. And it seems to be hailing more often because of the jet stream over the Colorado Front Range.

The severity of hail damage to your roof depends on several factors: the size of the hailstones, the hardness of the hailstones, the speed of the wind, the age of your roof, and the roofing material itself. This is why choosing and investing in hail-resistant roofing material can save homeowners from costly repairs after a hail storm. It is so vital in hail-prone areas. It could save you thousands of dollars in repairs and insurance claims.

So, let’s explore the three most common roofing materials and see how they fare for hail damage.

Asphalt Shingles: The Classic Go-To Option

Hail Resistance:

Asphalt shingles are one of the most popular roofing materials in the U.S., and for good reason. They’re affordable, widely available, and come in various styles. However, when it comes to hail, they’re not the strongest contender on the block. Standard asphalt shingles typically handle hail reasonably well, but hail damage is standard on older roofs because of the older shingle construction. The shingles may crack or bruise, leading to leaks or the need for repair.

Class 4 impact-resistant asphalt shingles are designed to resist hail and provide excellent protection. (the highest-rated level for impact resistance) can provide extra protection against hail, with some models even certified to withstand hailstones up to 2 inches in diameter, depending on the hardness of the stone.

If you live in a hail-prone area and want asphalt shingles, you should look for Class 4-rated shingles. They offer better protection against hail compared to standard shingles.

We ALSO want to share that some brands of Class 4 Shingles are better than others based on our professional opinion. We have seen it over and over where even though shingles are UL-rated Class 4 IR shingles – when they are placed right next to each other, some perform better than others. Contact us so that we can suggest the best shingles on the market. We like them so much that we are Certified Installers of several shingle manufacturers that we think are the best in the biz.

Shingle technologies have been changing over the last 10 years and are improving. We can help explain how.

Pros:

• Affordable: Asphalt shingles are one of the most cost-effective roofing materials.
• Variety of Styles: You can choose various colors, styles, and textures.
• Energy-Efficient Options: Many asphalt shingles are designed to reflect heat, helping to keep your home cooler in the summer.
• More straightforward to Repair: Asphalt shingles are relatively easy and inexpensive to repair if you do have damage.

Cons:

• Hail Damage: Standard asphalt shingles aren’t the most durable in the face of hail. Especially if not rated Class 3 or Class 4 IR shingles, they can crack or dent with larger hailstones, mainly if the impact rating is low.
• Shorter Lifespan: Asphalt shingles typically last 15 to 20 years, depending on the quality and weather conditions. This is shorter than the lifespan of some materials, such as metal or tile.
• Environmental Impact: Asphalt shingles are also not the most eco-friendly roofing material, as they are made from petroleum products.

Best For:

• Homeowners on a budget who want decent hail protection.
• Areas with mild to moderate hail conditions still want some impact resistance.

Metal Roofing: The Durable, Long-Lasting Champion

Hail Resistance:

Metal roofing is an excellent choice if you live in a region with frequent hailstorms. Metal roofs are highly durable and can withstand hailstones as large as 2 inches or more without showing much damage. Many metal roofs are rated to resist impact from larger hailstones and strong winds. The smooth surface of metal roofing also prevents debris from settling, which can prevent further damage from future storms.
The great thing about metal roofing is that it’s available in different styles—standing seam, pro-panel, corrugated, or shingle-style metal—and various colors, so you don’t have to sacrifice aesthetics for strength.

Pros:

• Hail-Resistant: Metal roofs are excellent at withstanding hail and extreme weather conditions, including high winds and heavy rain.
• Longevity: Metal roofs last 40 to 70 years, making them a long-term investment.
• Energy-Efficient: If insulated correctly, metal reflects sunlight, helping reduce energy costs and keeping homes cooler in summer.
• Minimal Maintenance: Once installed, metal roofs require little upkeep and are resistant to rust and corrosion.

Cons:

• Upfront CostWhile metal roofs last longer, they have a higher upfront cost than other types of roofs, such as asphalt shingles or sometimes tile.
• Noise: During heavy rain or hailstorms, metal roofs can be noisy. However, this can be mitigated by adding insulation or additional roofing underlayment.
• Denting: Though hail-resistant, large hailstones or sharp impacts may still cause dents or cosmetic damage to some metal roofing options.

Best For:

• Homeowners in hail-prone areas who want durability and longevity.
• Those willing to invest more upfront for a long-term solution.

Tile Roofing: The Classic, Beautiful, and Strong Option

Hail Resistance:

Tile roofs, especially those made from clay or concrete, are another excellent option for hail-prone areas. They are known for their beauty and durability. However, when it comes to hail resistance, tile roofs are tricky. They can withstand large hailstones, and their thick structure means they won’t easily crack or dent from more minor hail.The downside is that tiles can be more fragile than metal roofs. The tiles may crack or break if hailstones are huge, leading to costly repairs. However, since the underlying roofing structure (underlayment) is still intact, the damage won’t necessarily affect the roof’s overall waterproofing ability.

Pros:

• Very Durable: Tile roofs are incredibly long-lasting and can endure extreme weather conditions.
• Hail-Resistant: Especially clay and concrete tiles, which are built to withstand significant impacts.
• Energy-Efficient: Tile roofs offer excellent insulation, keeping your home cooler in the summer and warmer in the winter.
• Aesthetic Appeal: Tile roofing is often more aesthetically pleasing, offering a classic Mediterranean or Spanish-style look.

Cons:

• Fragile: While tiles are durable, they can crack under impact from large hailstones or heavy debris.
• Heavy: Tile roofs are much heavier than asphalt or metal, so your home’s structure may need to be reinforced before installation.
• Cost: Depending on the type of tile chosen, tile roofs are more expensive than asphalt shingles and may cost more to install than metal roofs.
• Expensive Repairs: While the underlayment may remain intact, tile replacement is costly and time-consuming.

Best For:

• Homeowners are looking for a durable, aesthetic roof that will withstand hailstorms.
• Those who live in hail-prone areas with frequent or severe storms.

How to Choose the Right Roofing Material for Your Area

Choosing the best roofing material for your home depends heavily on your geographic location and the weather your roof will face. Here’s a quick guide to help you choose the right roofing material for hail-prone areas, focusing on their ability to withstand hail impact.

Consider Your Climate:

• Hail Frequency: If you live in a hail belt area (think Colorado, Nebraska, Kansas, or Texas), invest in a material that can withstand hailstones as more sive or ficant than half ball.
• Wind Conditions: High winds often bring hail, so ensure your roofing material can handle gusts. Metal and tile roofs tend to fare better in high winds, and the newer shingle technologies are improving.
• Temperature Extremes: Extreme heat and cold can crack or damage asphalt shingles and tiles. Metal and tile are better equipped to handle these extreme weather shifts.

Budget vs. Durability:

• If you’re on a budget, asphalt shingles (particularly Class 4 impact-rated shingles) can provide good protection at a lower cost.
• Metal or tile roofing may be worth the investment if you want something that lasts and offers excellent hail resistance.

Other Popular Questions We Receive Related to Roofing Products and Synthetic Roofing Materials.

Q: What is a hail-resistant roof?

A hail-resistant roof is designed to withstand the impact of hailstones without sustaining significant damage. It often has a higher impact rating, such as a class 4 rating, which indicates its effectiveness in resisting hail damage.

Q: What is the best roof for hail-prone areas?

A: The best roofs for hail-prone areas include impact-resistant shingles, rubber, and metal roofs. These materials are known for their durability and resistance to hail damage, making them ideal for protecting your roof during hail storms.

Q: How can I protect my roof from hail?

A: Consider installing hail-resistant roofing materials like class 4 impact-resistant shingles or metal roofing to protect your roof from hail. Regular maintenance and inspections can also help identify and address vulnerabilities before a storm occurs.

Q: What is the difference between hail-proof and hail-resistant roofs?

A: A hail-resistant roof is designed to minimize damage from hail, while a hail-proof roof implies a higher level of protection that can withstand severe hail impacts without any damage. However, it’s important to note that no roof is entirely hail-proof.

Q: What type of roof is best for hail storms?

A: The best roofing material for hail storms includes options with a class 4 hail rating, such as impact-resistant shingles, rubber roofs, and slate or tile roofs. These materials are specifically engineered to withstand large hail and help prevent roof damage.

Q: How does hail damage affect roof repair costs?

A: Hail damage can lead to significant roof repair costs, depending on the severity of the damage and the type of roof you have. Roofing contractors often assess the extent of the damage to provide an accurate repair estimate, which can vary widely based on the roofing system and materials used.

Q: What is a class 4 hail rating?

A: A class 4 hail rating is the highest impact resistance rating for roofing materials. It indicates that the roofing can withstand impacts from hailstones up to 2 inches in diameter, equivalent to the effect of a steel ball dropped from a height of 20 feet.

Q: Are there any warranties available for hail-resistant roofs?

A: Yes, many manufacturers offer hail warranties for hail-resistant roofing materials. These warranties can provide coverage for repairs or replacements due to hail damage, but it’s essential to read the terms carefully to understand the coverage details.

Q: Can slate and tile roofs withstand hail?

A: Slate and tile roofs are known for their durability and can effectively withstand hail impacts. However, the performance can vary depending on the quality of the materials and installation, so choosing reputable roofing is essential.

Q: How can I choose the best roofing material for hail?

A: When choosing the best roofing material for hail, consider the impact resistance rating, durability, and maintenance requirements. Consulting with a knowledgeable roofing contractor can help you evaluate your options and select the best roof for hail-prone areas.

Conclusion: Roof Like a Pro

Choosing the right roof material for hail-prone areas is a big decision. It all comes down to balancing cost, durability, and aesthetic appeal.

Asphalt shingles are an excellent option for budget-conscious homeowners who want reasonable hail protection.

Metal roofs in some geographic regions can be a GREAT choice.

At Denny’s Roofing, as insurance companies often recommend durable roofing options, we specialize in helping homeowners navigate these decisions. If you’re unsure about the condition of your roof, we offer free roof inspections to help you make an informed decision. Our team of roofing experts will assess your roof and walk you through your options so you can make the best choice for your home and budget.

Ready to schedule your roof inspection? Call us at 970-275-4012 or email us at [email protected]. We’re here to help!