Roof Insurance Claim Checklist

☐ Locate your homeowner's insurance policy and declarations page

☐ Note your deductible amount and coverage type (ACV vs RCV)

☐ Check whether your policy has a separate wind/hail deductible

☐ Record the storm date, time, and any public weather data or news coverage of the event

☐ Photos and video of all exterior damage (roof, gutters, siding, windows, AC unit)

☐ Photos and video of interior damage (ceiling stains, wall damage, water intrusion)

☐ Written description of when damage was discovered

☐ Record of any previous roof repairs or maintenance

☐ Receipts for any emergency temporary repairs (tarps, boarding)

☐ Contact your insurer to open a claim (have policy number ready)

☐ Record your claim number

☐ Note the name of your assigned adjuster and their contact info

☐ Confirm the scheduled inspection date and time in writing

☐ Have all your photos and documentation available

☐ Walk the adjuster through all documented damage

☐ Ask for the adjuster's scope of loss in writing after the visit

☐ You may have a licensed contractor present — consider scheduling one

☐ Review the insurer's damage scope and estimate carefully

☐ Compare with independent contractor estimates

☐ If you disagree, document discrepancies in writing

☐ Keep all communication records (emails, letters, call logs)

☐ Consult a licensed public adjuster or attorney if needed for disputes