Facing roof damage after a storm can be overwhelming. One of the most important steps in recovery is handling the insurance claim process correctly to secure the coverage you deserve. With preparation and the right approach, you can protect your interests and streamline the process. Here are the key steps to take when preparing for an insurance claim after storm damage.

Understand Your Insurance Policy

Before storm season arrives, review your insurance policy. The type of coverage you have will significantly affect your payout:

• Actual Cash Value (ACV): Covers the depreciated value of your roof, which often results in less money toward repairs or replacement.

• Replacement Cost Value (RCV): Covers the full cost of replacing your roof with similar materials and quality.

Knowing the difference ensures you set realistic expectations before filing a claim.

Document the Damage

Immediately after the storm, carefully document all roof damage. Take clear photos and videos from multiple angles, capturing both close-up and wide shots. This evidence will be critical when presenting your case to the insurance company.

Beware of Roofing Scams

Unfortunately, storms often attract fraudulent contractors. Be cautious of anyone offering “too good to be true” deals, such as covering your deductible or demanding full payment upfront. Working with disreputable contractors can result in poor-quality repairs and complications with your insurance claim.

Hire an Experienced Contractor

An experienced roofing contractor can be your best ally during the claims process. They provide accurate damage assessments, detailed repair estimates, and guidance to ensure your claim meets insurance company standards. Having a professional on your side helps protect you from denied or underpaid claims.

Communicate with Your Insurance Company

Report the damage to your insurance company as soon as possible. Provide all documentation and expect an adjuster to inspect your roof. Whenever possible, have your contractor present during the adjuster’s visit to ensure that all damage is noted accurately.

Anticipate the Need for Follow-Ups

Sometimes the initial insurance payout may not cover all the necessary work. If this happens, your contractor’s detailed estimates and repair documentation can support a supplemental claim to request additional funds.

Prepare for Future Storms

Use this experience as an opportunity to strengthen your home’s defenses. Consider upgrading to impact-resistant or more durable roofing materials, and schedule regular roof inspections. Proactive maintenance can minimize damage in future storms and make future claims easier.

Get Professional Help from Red Peaks Roofing in Saratoga Springs, UT

Navigating an insurance claim after storm damage can be complex, but you don’t have to handle it alone. At Red Peaks Roofing, our team has extensive experience working with both homeowners and insurance companies. We’ll guide you through every step, from documentation to final repairs, ensuring your roof is restored quickly and properly.

Contact Red Peaks Roofing today at (385) 482-9707 or fill out our online form to schedule your inspection. Based in Saratoga Springs, UT, we’re committed to protecting your home and your peace of mind.