When severe weather hits Greensboro, your roof often takes the brunt of the damage. From hailstorms and heavy winds to fallen trees, roof damage can be sudden and stressful. Thankfully, your homeowner’s insurance policy may cover these unexpected events—if you follow the right steps. Here’s a detailed guide on how to handle an insurance roof claim in Greensboro, NC.
1. Act Quickly After the Storm
Time is critical after your roof suffers storm damage. The longer you wait, the higher the risk of further structural issues or claim denial due to delayed reporting.
What to do:
- Inspect your property as soon as it’s safe.
- Look for visible signs of damage: missing shingles, dented flashing, exposed underlayment, leaks, or water stains.
- Take clear photos and videos of the affected areas from multiple angles. This visual proof will support your insurance claim.
2. Review Your Insurance Policy
Before filing a claim, understand what your homeowner’s insurance actually covers. In Greensboro, most policies cover:
- Wind and hail damage
- Fallen tree impact
- Water damage from storm-created openings
Important: Wear and tear, improper maintenance, or pre-existing damage are usually not covered.
3. Schedule a Professional Roof Inspection
Even if the damage appears minor, schedule a free professional inspection with a licensed roofing contractor in Greensboro, like Escalade Roofing.
Why it matters:
- A trained roofer can identify hidden issues not visible from the ground.
- You’ll receive a detailed inspection report to support your insurance claim.
- The contractor can also meet with your adjuster and advocate on your behalf.
4. Contact Your Insurance Provider
Once you’ve confirmed damage, call your insurance company to initiate a claim. Be ready to:
- Describe the event (date, type of storm, how the damage occurred)
- Submit photos, your roofer’s report, and any relevant invoices
You’ll be assigned a claims adjuster, who will schedule an appointment to assess the damage.
5. Meet With the Insurance Adjuster
Your adjuster is responsible for determining the scope of covered repairs. It’s highly recommended to have your roofing contractor present during this inspection.
Benefits:
- Your roofer can point out issues the adjuster may overlook.
- They’ll help ensure the inspection is accurate and thorough.
- It reduces the risk of underpayment or claim denial.
6. Get an Estimate and Review the Offer
After the adjuster completes their assessment, your insurance company will provide a claim summary or repair estimate. Review it carefully.
Tip: If the insurer’s offer is lower than your contractor’s quote, your roofer can often work with your provider to reconcile the difference.
7. Schedule the Roof Repair or Replacement
Once the claim is approved, you can move forward with the work. Choose a local, licensed, and insured contractor experienced in insurance-backed repairs.
Escalade Roofing works closely with Greensboro homeowners to:
- Handle all paperwork and supplemental claims
- Ensure code compliance
- Complete the work efficiently and on budget
8. Submit Final Documentation
After the job is done, your roofer should provide a final invoice and photos to send to your insurance company. If you received an ACV (Actual Cash Value) payout, you may receive a second check (the depreciation amount) once proof of completion is submitted.
Filing an insurance roof claim in Greensboro doesn’t have to be overwhelming. By taking swift action, documenting everything, and partnering with a professional contractor like Escalade Roofing, you can restore your home with confidence.
Need help with your roof insurance claim in Greensboro?
Escalade Roofing offers free inspections and full claim support. Call (336) 624-6708 or visit escaladeroofing.com to get started. Your roof—and your peace of mind—deserve the best.
