A Homeowner’s Guide to Filing a Roof Insurance Claim in Alabama

Roof damage after a storm can feel overwhelming, especially when you’re unsure where to begin with your insurance company. Knowing the basic steps can make the process easier and help ensure your claim is handled quickly and fairly.

Before filing a claim, review your policy to understand your coverage. Most policies cover sudden, accidental damage from wind, hail or fallen debris. Wear and tear, age-related deterioration and improper maintenance typically are not covered. Taking a few minutes to understand your deductible, exclusions and documentation requirements can save time later.

Next, document everything. Take photos or videos of visible damage from the ground, and avoid climbing onto the roof yourself. Make notes about the date of the storm, what you observed and any immediate issues inside the home, such as leaks or ceiling stains. The more documentation you have, the easier it is to support your claim.

Your insurance company will send an adjuster to assess the damage. However, it’s often helpful to have a licensed roofing professional conduct an independent inspection as well. A roofer’s assessment can identify issues that aren’t always obvious and provide an expert comparison to the adjuster’s report.

If repairs are approved, you’ll receive a breakdown of payment based on your policy’s coverage. Keep records of all estimates, correspondence and final invoices. If you disagree with the adjuster’s findings, you can request a re-inspection or provide additional documentation to support your case.

Whether it’s minor shingle loss or major storm damage, having a trusted roofing partner on your side makes the process smoother and less stressful.

DADS ROOFING, a fully licensed and insured roofing contractor serving the Gulf Coast, assists homeowners with inspections, repair documentation and insurance-related roofing needs.