After a major storm, a smooth insurance claim can mean the difference between a fully restored roof and a stressful out-of-pocket expense. Here's how to do it right.
Step 1: Document everything
Take dated photos of the damage from the ground and note the date of the storm. Don't climb on a damaged roof yourself.
Step 2: Get a professional inspection
A qualified roofer will find damage an adjuster might miss and provide documentation that strengthens your claim.
Step 3: File promptly
Most policies require you to file within a set window after the storm. Sooner is always better.
Step 4: Meet the adjuster with your roofer
Having your contractor on the roof with the adjuster ensures all damage is accounted for.
Step 5: Review the scope and file supplements
If the initial offer misses items, a supplement request with documentation can recover the difference.
Peak Shield manages this entire process for you — most homeowners end up paying only their deductible.