Filing a Roof Insurance Claim

Storm damage to your home’s roof can be a stressful experience. It can disrupt your life and damage your personal property. Nebraska is no stranger to heavy storms, tornadoes, high winds and hail.

Please call us if you believe that your house has been affected by storm damage. In nearly all cases, it is better for an experienced contractor to inspect your roof and other scopes of damage first before involving your insurance company. In fact, it is a common practice for insurance companies to have roofing contractors inspect the roof and other damages before they will send one of their adjusters on site to look for damages. It is imperative that an experienced contractor well versed in hail damage inspect your roof for damages. Our primary goal is to explain whether or not filing an insurance claim is valid and in your best interest.

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What is Hail Damage?

A hail-damaged shingle has a bruise or puncture that causes the protective top layer of the granules to be removed, and/or damages the back of the shingle matting. How soon the shingles will fail after a storm is nearly impossible to predict. There is a clear correlation between the number of hail hits on the roof and the penetration depth that each hail stone that has impacted the shingle. In all cases, if a shingle is damaged by hail, the life of the shingle will be reduced. In some cases, the shingles may be damaged but no noticeable issues reveal themselves until a later point; over time the sun’s UV rays, water, snow, etc., can further weaken and break down areas that had granules disturbed by hail impact. It is important to have an experienced professional contractor check your roof for hail, as it takes a trained eye to discern hail damage from normal wear and tear. In most cases, hail damage is only visible when standing on the roof and physically inspecting specific shingles.

Our Home Inspections

At Horn Industries Roofing, we are constantly working to further educate ourselves on the technical aspects of our industry. Over the years, our team has worked with a number of insurance adjusters, engineers and certification programs to improve our competency in assessing storm damage. Our inspectors are certified and some are former lead adjusters. We conduct our assessment in a similar manner to insurance adjusters. 

Here is what to expect on a typical roof inspection: One of our qualified team members will come to your home and introduce themselves. They will then conduct a detailed inspection of the exterior of your home (siding, windows, doors, overhead doors, deck, gutters furniture etc) and roof. Many times, if there are hail hits on your home’s exterior (such as on downspouts or windows), it is a good indicator that damages may be present on the roof. We often call that “collateral damage”. During the home inspection, our representative will closely inspect to see if damage is present. 

Some of the common items inspected are:

  • Roofing
  • Gutters
  • Siding
  • Windows/Doors
  • Overhead doors
  • Paint/stain
Horn Industries Roofing will then take the necessary photos and document any damages discovered. We commonly use chalk as a way to reveal where dents are present in our photos. In addition to inspecting for hail, we also will look for roofing installation defects and or any maintenance issues. Upon the conclusion of our inspection, our representative will explain the next steps depending on our findings.
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The 5 Steps To Successfully Submitting
Your Insurance Claim

Step 1

Before you call your insurance company - Get a free roof inspection done by a certified professional

While it might seem like the natural thing to do, calling your insurance company first isn’t necessarily the right thing to do. Having a free roof inspection and repair estimate done will give your claim the proof it needs. Having a detailed inspection report and repair estimate on hand will justify the call and give you peace of mind.
Step 1
Step 2

Submit your insurance claim

Now that you have validated your homes storm damage, you are ready to start the claims process. The insurance company will ask you if you have done an inspection and who your contractor is. Having your inspection report and estimate on hand will help streamline your insurance claim.
Step 2
Step 3

Dual inspection: Insurance adjuster and licensed general contractor

It’s a good idea to have your contractor (Horn Industries Contractor) present at the first inspection. We will be able to assist in pointing out damages incurred as a result of the storm and make sure that all damages are fairly and properly inspected. As your contractor, it is our job to make sure that the inspection process is thorough and that all damages are considered by the insruance adjuster. Typically, the insurance adjuster will notify you of whether or not they agree with the damage. They will let you know the approved scope of work that insurance will be covering and what your next step is in the claims process.
Step 3
Step 4

Schedule your roof repair (or roof replacement)

Once work is approved by the insurance company, a member of our team will begin scheduling the approved scopes of works. We will mobilize our team to get the work done on your home as soon as possible. Our goal at Horn Industries is to make the entire process seamless and as painless as possible. We strive for the highest customer satisfaction in the industry. We take pride in providing quality material with the highest workmanship standards.
Step 4
Step 5

Your deductible should be your only out-of-pocket expense

With the right inspection report, repair estimate, expert advice and a streamlined process, the only expense you’ll have is your insurance deductible. Your insurance will pay out your claim to you directly, which you can use to pay your contractor after the work is complete and signed off. There are no upfront costs, and as a reputable Nebraska/Iowa roofing company, our quality is always guaranteed.
Step 5
Contact US

For more information