Insurance-claim timing varies by carrier, scope, materials, and weather. Review and approval may take several weeks; after approval, installation is scheduled around crew and material availability.
Coverage depends on the policy, cause of loss, exclusions, deductible, and the carrier's review. We can document roof damage and coordinate with the homeowner and adjuster, but the insurance carrier decides coverage, scope, and payment. When applicable, we can document visible storm damage, provide photos and measurements, and coordinate with the adjuster. The homeowner files the claim, and the insurance carrier makes all coverage decisions. That's where the right contractor makes all the difference.
Mr. Roofer handles roofing insurance claims every week across Ohio, West Virginia, and Kentucky.
Step 1: Schedule a Free Roof Inspection First
Before you call your insurance company, get a professional inspection. This is the single most important thing you can do to set your claim up for success.
When Mr. Roofer inspects your roof, we document every area of damage with photographs, identify the cause (hail, wind, debris), and produce a written report you can submit with your claim. Adjusters take claims much more seriously when they arrive backed by professional documentation.
If you skip this step and call your insurance company first, the adjuster will inspect on their own and write whatever they see. Damage they miss won't be covered.
Schedule your free inspection or call (740) 263-4357.
Step 2: Review Your Damage Report
After the inspection, Mr. Roofer provides a written report including:
- High-resolution photos of every area of damage
- A description of the type of damage (hail dents, wind-lifted shingles, granule loss, etc.)
- Affected components (shingles, ridge caps, flashing, gutters, vents)
- Our professional opinion on whether repair or full replacement is needed
Review the report with us. Warranty coverage depends on the project scope and selected product. Any workmanship and manufacturer coverage will be listed in the written proposal and warranty documents. Learn more about how we identify hail damage and storm damage inspections.
Step 3: Contact Your Insurance Company
Call your insurance company's claims line and tell them you'd like to file a claim for storm damage. Be ready to provide:
- The date of the storm
- A description of the damage (use the language from our report)
- Your policy number
- A request to schedule an adjuster visit
Your insurance company will assign a claim number and schedule an adjuster to come inspect the damage. Tell them your roofing contractor will be present at the inspection — this is normal and expected.
Step 4: Meet the Adjuster On-Site
This is the most important step in the entire process. Mr. Roofer meets every adjuster on-site at no cost.
Why does this matter? Adjusters are professionals, but they cover a huge geographic area and inspect dozens of roofs each week. When your contractor walks the roof alongside the adjuster pointing out documented damage, the adjuster's report reflects the true scope. When no contractor is present, damage commonly gets missed or undervalued.
If the adjuster's initial estimate comes in too low to properly replace the roof, we file a supplement on your behalf. A supplement is an additional claim for the difference between the adjuster's estimate and the actual cost of the work — at no extra cost to you.
Step 5: Approve the Work and Schedule Replacement
Coverage depends on the policy, cause of loss, exclusions, deductible, and the carrier's review. We can document roof damage and coordinate with the homeowner and adjuster, but the insurance carrier decides coverage, scope, and payment. The deductible and any other out-of-pocket costs depend on the policy and the carrier-approved scope. We do not promise claim approval, coverage, or payment.
If the claim is genuinely not covered, we offer flexible financing through GoodLeap so you can still get the roof replacement you need.
Important: Never Sign a Contract Before Your Inspection
Some contractors will pressure you to sign a contract or "assignment of benefits" before they've even inspected your roof. Do not sign anything before a thorough inspection and written estimate. We never ask homeowners to sign anything before the inspection is complete.
Also, never work with a contractor who offers to waive your deductible or pay it for you. This is illegal in most states and a major red flag.
Cities We Serve for Insurance Claims
We help homeowners with insurance claims throughout the Tri-State area, including South Point, Huntington, Charleston, Portsmouth, Hurricane, and other communities in our service area.
Get Started Today
If you suspect storm damage and want to know whether you have a valid insurance claim, the first step is a free inspection. We'll tell you honestly whether you have a claim worth filing — and if you do, we handle the entire process from there.
Get an instant estimate or schedule your free inspection online.
Industry Statistics and Sources
- Wind and hail damage account for approximately 34 percent of all homeowner insurance claims in the United States (Insurance Information Institute)
- Severe convective storms (hail, wind, tornadoes) caused over $50 billion in insured losses in 2023 alone (Insurance Information Institute)
- Most homeowner policies cover sudden, accidental damage from weather events but exclude normal wear, neglect, and cosmetic-only damage (Insurance Information Institute)
About the Author
Jon Robinson — Owner & Master Roofer
Jon is the founder of Mr. Roofer. He holds degrees from Marshall University and West Virginia University, is a U.S. military veteran, and has spent over a decade installing roofs across the Tri-State. He personally inspects projects across Lawrence County, Scioto County, and Kanawha County.
Read more about Jon