Storm damage on your roof? Claim what you're actually owed.
Hail, wind, or fallen debris can trigger a legitimate insurance claim. We connect you with storm-restoration contractors who handle the inspection, documentation, and adjuster meeting, so you don't leave money on the table.
Get your free inspection
Takes about 90 seconds.
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Estimate your storm damage repair cost
Understanding your repair cost range helps you evaluate your insurance settlement and spot underpayment. Adjust the inputs for a ballpark, then start a free inspection for a real contractor assessment.
Directional estimate only, not a quote.
Types of storm damage: what to look for
The six types most likely to appear on an insurance claim, and what makes each tricky to identify or document.
What to do right after a storm
The first 48 hours can make or break your claim. Six actions public adjusters and storm-restoration contractors recommend every time.
Stay safe first
Do not climb your roof. Walk the yard perimeter, note visible damage such as missing shingles, dented gutters, and debris, and photograph everything from the ground.
Document before cleanup
Take date-stamped photos and video of all visible damage before any repairs. Insurers need evidence of the storm event, not a post-cleanup roof.
Stop active leaks with a tarp
Place a temporary tarp over any breach to prevent interior water damage. Keep receipts, since most policies reimburse reasonable emergency mitigation.
File your claim promptly
Every policy has a deadline to report storm damage, often 12 months, some states less. File early; late claims give insurers grounds to deny.
Request a contractor for the adjuster meeting
Have a contractor who specializes in insurance claims present when the adjuster comes out. They know what to point to and can dispute underpayment on the spot.
Understand ACV vs RCV before you settle
Actual Cash Value deducts depreciation; Replacement Cost Value pays the full rebuild. Never accept an ACV payment if your policy includes recoverable depreciation.
From storm hit to claim closed
The form takes about 90 seconds. A storm-restoration contractor typically reaches out within an hour during business hours.
Get a free inspection
Tell us your zip and a little about the storm. We connect you with a storm-restoration contractor who inspects your roof at no cost.
Document for your insurer
Your contractor photographs impact marks, missing shingles, and structural issues, building the evidence package your adjuster needs.
Navigate the claim
Understand your ACV vs RCV payout, deductible, and recoverable depreciation before you sign. Your contractor attends the adjuster meeting.
Get your roof restored
Once approved, your contractor completes the work, coordinating with your insurer so you only pay your deductible.
An honest resource for homeowners navigating a storm-damage claim
A small editorial team that researches and publishes storm-damage and insurance-claim guidance, sourced from NWS/NOAA records and state statutes, plus a lead service that routes your inspection request to a storm-restoration contractor.
Not a contractor, public adjuster, or engineer, and not a substitute for a licensed local professional who has actually looked at your roof. All cost estimates are directional only.
Storm damage resources, researched before the adjuster calls
State storm damage guides
One page per state with NWS/NOAA storm history, claim deadlines, contractor licensing statutes, and a cost calculator tuned to local rebuild rates. 50 states live.
ACV vs RCV: what your policy actually pays
Actual Cash Value deducts depreciation; Replacement Cost Value pays the full rebuild. We explain both, plus recoverable depreciation and how to collect it.
Roof insurance claim process
The seven-step claim workflow, state-by-state filing deadlines, when to bring in a public adjuster, and the red flags that mean you should walk away.
Shingle matching rules by state
Every state's rule on whether the insurer must replace the whole roof when a hail-damaged slope can't be color-matched. Statute citations for all 50 states.
Freshly published storm-damage guides
Can You Claim Roof Replacement on Insurance?
Can You Claim Roof Repair on Home Insurance?
Roof Storm Damage Mobile AL: Insurance Claim Guide
GAF Shingles Storm Damage: Your Insurance Claim Guide
When to File Roof Insurance Claim or Pay Out of Pocket
Ordinance and Law Coverage: Why Storm Claims May Need It
Storm damage guides by city
Find your state
Storm damage claim questions, answered
Does homeowners insurance cover roof storm damage?
Most policies cover sudden, accidental damage from hail, wind, and storms. Whether a specific claim is covered depends on your policy, the cause of loss, and your roof's condition, so a documented inspection is the first step.
How long do I have to file a storm damage claim?
Deadlines run from the date of loss and vary by state and policy, often around 12 months and sometimes less. File early, because late claims give insurers grounds to deny.
What is the difference between ACV and RCV?
Actual Cash Value pays the depreciated value of your roof; Replacement Cost Value pays the full cost to rebuild. If your policy includes recoverable depreciation, you can collect the difference after the work is completed.
How much does storm damage roof repair cost?
It depends on roof size, material, pitch, and the extent of damage. Use the estimator above for a directional range, then get a free inspection for a contractor's real assessment. On an approved claim, many homeowners pay only their deductible.
Is the roof inspection really free?
Yes. The storm-restoration contractor we connect you with inspects your roof at no cost and no obligation, and you decide whether to move forward.
Do I have to use the contractor you match me with?
No. There is no obligation. We connect you with an independent, vetted storm-restoration contractor, and the decision to hire is always yours.
Think your roof has storm damage?
Two minutes of questions. A storm-restoration contractor reaches out to schedule your free inspection.
Start my free inspection →