Roofer or Insurance: Who Should You Call First After Storm Damage?

March 8, 2024
roofer or insurance

When a storm hits and damages your roof, it’s crucial to act swiftly to prevent further damage to your home. However, homeowners often face a dilemma: should you call your roofer or your insurance company first? This blog post explores the best course of action to take in the aftermath of storm damage, ensuring you navigate the process smoothly and effectively.

Understanding the Initial Steps

Assessing the Damage

Before making any calls, it’s important to assess the extent of the damage safely. Look for visible signs of harm from the ground, such as missing shingles or damaged gutters. Avoid climbing onto the roof yourself, as this can be dangerous, especially after a storm.

Safety First

Ensure your family’s safety by checking for any potential hazards, such as downed power lines or structural damage. If you suspect any risk, leave the assessment to professionals and focus on keeping everyone safe.

Roofer or Insurance: Making the Right Call

The Case for Calling a Roofer First

Contacting a reputable roofing contractor first can be beneficial for several reasons. A professional can provide a quick, accurate assessment of the damage, which is crucial for preventing further issues. They can also offer a temporary fix to mitigate water damage until permanent repairs are made. Having a detailed report from a roofer can strengthen your insurance claim, as it provides an independent evaluation of the damage.

The Case for Contacting Your Insurance Company First

On the other hand, reaching out to your insurance provider immediately after assessing the damage can also have its advantages. Your insurer can inform you about your policy’s coverage, deductibles, and the claim process. Some insurance companies require an adjuster to inspect the damage before any repairs are made, to approve the claim. Starting this process early can expedite your claim and the subsequent repair work.

Navigating the Claims Process

Documentation is Key

Regardless of who you call first, documenting the damage thoroughly is essential. Take clear photos or videos of all affected areas, as this evidence will be invaluable during the claims process or when working with a roofing contractor.

Understanding Your Policy

Familiarize yourself with your insurance policy’s specifics regarding s. Knowing what is covered and the procedure for filing a claim can save you time and ensure you receive the compensation you’re entitled to.

The Ideal Approach: Collaboration Between Your Roofer and Insurance

The most effective strategy often involves a partnership between your chosen roofing professional and your insurance company. A reputable roofer can provide a detailed estimate and report that supports your claim, while your insurer can clarify coverage and ensure the repair costs are within your policy limits. This collaborative approach can streamline the repair process, making it more efficient and less stressful.

In Summary

Deciding whether to call a roofer or your insurance company after storm damage depends on several factors, including the extent of the damage, your policy details, and your immediate needs. In many cases, initiating contact with a roofing professional can provide a quick assessment and temporary solutions, while promptly informing your insurance company can set the claims process in motion. Ultimately, a coordinated effort between your roofer and insurance provider offers the best path forward, ensuring your home is repaired promptly and effectively, with minimal hassle.

If you’re facing storm damage and need guidance on the next steps, don’t hesitate to reach out. Our team is here to help you navigate the repair process and work with your insurance company to ensure your home is restored to its pre-storm condition.


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