How do I know if my roof has storm damage?
Common signs include missing, cracked, or curled shingles, granule loss visible in gutters and downspouts, dented or cracked metal flashing, damaged ridge caps, and water stains on interior ceilings. Many types of storm damage — particularly hail bruising — are not visible from the ground. A professional inspection with drone photography is the most reliable way to assess your roof after any storm event.
Does homeowner’s insurance cover roof damage from storms?
Most standard homeowner’s insurance policies cover sudden and accidental damage from storms — including hail, wind, fallen trees, and ice dams. Coverage depends on your specific policy, deductible, and the cause of damage. Shelby Roofing Services provides thorough inspection documentation and detailed damage reports to support your claim with your carrier.
What is the insurance claim process for roof damage?
The process typically involves: (1) professional inspection and damage documentation, (2) filing a claim with your carrier, (3) an adjuster visit, (4) receiving a claim estimate, (5) reviewing the scope with your contractor, and (6) completing the restoration. We walk alongside you through every step and are available to communicate directly with adjusters when needed.
Will my insurance pay for a full roof replacement after a storm?
It depends on the extent of the damage, your policy terms, and your carrier. Many policies cover full replacement when damage is widespread enough that repairs cannot restore the roof to its pre-storm condition. Thorough documentation — including drone photography, granule loss measurements, and a written damage assessment — is critical to supporting a full replacement claim.
How long do I have to file a storm damage insurance claim?
Most policies require claims to be filed within 1 to 2 years of the storm event, though this varies by carrier and policy. In PA, NJ, and Delaware, it is best to have your roof inspected and a claim filed as quickly as possible — delayed claims can be denied or reduced. Contact Shelby Roofing Services for a prompt inspection after any significant storm.
Do you work with all insurance companies?
Yes. We work alongside homeowners during the claims process regardless of their insurance carrier — State Farm, Allstate, Erie, Travelers, USAA, Liberty Mutual, and all others. We provide professional inspection reports, detailed damage documentation, and are available to be present during adjuster visits to ensure your roof’s condition is accurately assessed.
