Your roof claim, step by step
Track where you are, know what comes next, and keep the documents adjusters ask for. General guidance, not legal advice.
Insurance claim step tracker
Tap the step you are on. The tracker shows what to do now and what to have ready. Your progress is saved in this browser.
Step 1 of 6 · 0% complete
Step 1 · Day 0 to 1
Secure and document
Make the home safe, stop water with a tarp, and photograph damage inside and out. Save receipts for emergency work.
Have ready
- Photos of ceilings, attic and exterior
- Date and time of the storm
- Receipts for tarping or water cleanup
- Hail size photos with a coin or ruler
Step 2 · Day 1 to 3
Get a free inspection
We inspect every slope and prepare a photo report with test squares, soft metal hits and an estimate of damage.
Have ready
- Inspection report with slope photos
- List of damaged items beyond the roof
- Opinion on repair vs replacement
Step 3 · Day 2 to 5
File your claim
You contact your carrier or agent to open the claim. Write down your claim number and the adjuster assigned.
Have ready
- Policy number and claim number
- Adjuster name and contact
- Date of loss confirmed
Step 4 · Week 1 to 3
Adjuster meeting
The adjuster inspects the roof. We can attend to point out documented damage and answer technical questions.
Have ready
- Our report printed or shared
- Ladder access and pets secured
- Notes on anything the adjuster measured
Step 5 · Week 2 to 4
Review the estimate
Compare the carrier estimate against the actual roof: squares, pitch, drip edge, ventilation and code items.
Have ready
- Line-item scope from the carrier
- Our side-by-side scope review
- Supplement request if items are missing
Step 6 · Week 3 to 6
Build and close out
We install the roof, submit completion photos and invoices so recoverable depreciation can be released.
Have ready
- Completion photos and invoice
- Certificate of completion
- Warranty registration (sample)
Storm Shield Roofing is a contractor, not a public adjuster or law firm. We do not negotiate claims on your behalf, and Texas law prohibits contractors from waiving deductibles. This page is sample educational content.
The adjuster meeting
The 45 minutes that decide most roof claims. Here is what happens and how to prepare.
- Confirm the appointment window and make sure the adjuster can access the backyard and attic.
- Have our inspection report ready; we can attend and walk the roof with the adjuster.
- Point out soft metal damage, fence spatter and interior leaks, not only shingles.
- Ask when to expect the estimate and whether your policy pays replacement cost or actual cash value.
- Take notes on what was measured and photographed.
Documentation checklist
Keep these in one folder or email thread from day one.
Insurance questions
We work with every carrier. You file and own your claim; we document damage, can attend the adjuster meeting and submit supplements for missed items.
No. Texas law prohibits contractors from waiving, absorbing or rebating a deductible. Anyone offering to do so is putting your claim at risk.
We review the denial with you and the report. Sometimes a re-inspection is warranted; sometimes the damage truly is wear and tear. We will tell you honestly. This is not legal advice.
Stay safe first. Then photograph damage, check ceilings and the attic for water, and call for a free inspection. If water is coming in, call the storm line for emergency tarping.
Start with a free inspection
Free inspection with a photo report in 48 hours, or call the storm line for a tarp crew tonight.
4.9 average from 1,284 Dallas homeowners (sample)