Everything homeowners need to know about storm damage roof insurance claims — from filing deadlines to contractor selection to what your policy actually covers.
Yes. We specialize in working directly with insurance companies on behalf of homeowners. Our team documents the damage, prepares the claim, and communicates with your adjuster so you don't have to navigate the process alone.
Every state and insurance policy has different deadlines. Most policies require you to file within 1–2 years of the storm event, but some states like Tennessee enforce a strict 1-year deadline. Oregon has a 2-year window. We strongly recommend filing as soon as possible — delays can result in denied claims.
In most cases, yes — if the damage was caused by a covered peril such as hail, wind, or a fallen tree. Standard homeowners policies (HO-3) typically cover sudden storm damage. However, damage from neglect or normal wear and tear is generally not covered.
Replacement Cost Value (RCV) pays to replace your roof at today's prices with a comparable new roof. Actual Cash Value (ACV) pays the depreciated value of your old roof. RCV policies typically result in a higher payout. Check your declarations page to see which coverage type you have.
A denied claim is not necessarily final. You have the right to appeal the decision by requesting a re-inspection, providing additional documentation, or hiring a licensed public adjuster.
Absolutely. You are not required to use a contractor recommended or preferred by your insurance company. You have the legal right to select any licensed, insured contractor you choose.
Yes, if the damage was caused by a covered event like hail or wind. Storm damage claims are often the most valuable insurance claims a homeowner can file — in many cases resulting in a full roof replacement at little or no out-of-pocket cost beyond your deductible.
You are not required to obtain multiple estimates, though your insurer may request a second opinion. Our inspectors use the same Xactimate estimating software that insurance adjusters use, which typically results in fair, accepted estimates.
We typically schedule inspections within 24–48 hours of your request. Once your insurance claim is approved, most roof replacements are completed in one to two days.
We work with all common residential roofing materials including asphalt shingles, architectural shingles, metal roofing, tile, and flat roof systems.
Yes. Hail damage is one of the most common types of storm damage we assess and repair. Hail can fracture asphalt shingles, crack tile, dent metal, and compromise the waterproof membrane.
Signs of hail or wind damage include missing, cracked, or curling shingles; dented gutters and downspouts; granules accumulating in your gutters; and dents on metal vents, flashing, or your AC condenser unit.
Start at ground level: check your gutters for excessive granule loss, look at your AC condenser unit for dents, and inspect aluminum downspouts for dings. If those show impact damage, your roof almost certainly does too.
First, stay safe. Then: (1) Document — photograph any exterior damage you can see safely from the ground. (2) Do not attempt DIY repairs yet. (3) Call us to schedule a free inspection. (4) Review your insurance policy and locate your policy number.
For hail-prone regions, Class 4 impact-resistant asphalt shingles are the gold standard — they can also earn you a premium discount from your insurer. Standing seam metal roofing offers excellent wind resistance.
The national average ranges from $8,000 to $20,000 depending on the size of your roof, materials used, and your region. When your claim is approved, your insurance company pays the replacement cost value minus your deductible.
Our roof inspection is 100% free and carries no obligation. It includes a thorough visual inspection of all roof surfaces, flashings, gutters, vents, and the attic if accessible.
Yes. All of our roof replacements come with the manufacturer's product warranty on materials (typically 25–50 years) plus our workmanship warranty.
In many cases, yes — minus your deductible. If a covered storm event damaged your roof and you have a Replacement Cost Value (RCV) policy, your insurer is responsible for paying to replace your roof.
Filing a storm damage claim generally has less impact on your rates than filing a liability or water damage claim. Hail and wind events are classified as catastrophic weather events by most insurers.
Age alone does not disqualify a roof from coverage. However, if you have an Actual Cash Value (ACV) policy, an older roof will be heavily depreciated. If you have RCV coverage, your insurer must pay for a full replacement regardless of roof age.
We currently serve homeowners across Texas (Dallas, Houston, Austin, San Antonio), the Midwest (Indianapolis, Kansas City, St. Louis, Columbus), the South (Nashville, Atlanta, Charlotte), and the Pacific Northwest (Portland, Central Oregon).
Yes. FreeRoofPros only works with licensed, bonded, and insured roofing contractors in each market we serve. We carry full general liability insurance and workers' compensation coverage.
Yes. If your roof is actively leaking or has suffered significant structural damage from a storm, contact us immediately. We offer emergency tarping and temporary repairs.
Simply click the "Get My Free Inspection" button on our homepage or call us directly. We will schedule a free, no-obligation inspection with a certified roofing specialist.
Verify their state roofing license, ask for their general liability and workers' comp certificates, check their BBB rating and online reviews, confirm they have a local office, and ask for references. Be wary of contractors who promise to waive your deductible — that is insurance fraud.
Schedule a free, no-obligation roof inspection and speak directly with one of our storm damage specialists.