A storm-damaged roof claim goes best when things happen in the right order. Here is the process the NC Department of Insurance lays out, what is covered and how to avoid storm chasers.
The roof insurance claim process in North Carolina
The order the NC Department of Insurance recommends after storm damage, with our notes from working claims across the Triangle.
1
Check it is safe
Look for hazards such as downed lines or structural damage before you go near the roof.
2
Photograph everything first
NC DOI says to photograph and list the damage before any temporary repairs. Shingles in the yard, dented gutters and vents, and ceiling stains inside all count.
3
Make temporary repairs only
Tarp the roof to stop further damage and keep every receipt. Do not have permanent repairs done until the insurer has inspected and you have agreed the cost.
4
Call your insurer or agent
Report the claim as soon as possible. Ask for the name of everyone you speak to, your deductible (some policies have a separate named storm deductible), whether you need repair estimates and when an adjuster will visit.
5
Be there for the adjuster
Show them the damage, share your photos and any contractor estimate, take notes and get their contact details. A company or independent adjuster costs you nothing; a public adjuster works for you and charges a fee.
6
Review the settlement
Claims are often paid in more than one check, and your mortgage lender may be named on it. If more damage turns up, ask for a reinspection. If you disagree with the amount, your policy’s appraisal provision lets each side pick an appraiser.
Homeowners policies cover sudden damage such as wind, hail or a fallen tree. They do not cover wear and age. NC DOI also notes standard homeowners policies do not cover flood or rising water. Our guide to whether insurance covers roof replacement goes deeper, and see hail damage and wind damage for what to look for.
Avoid the scams
Storm chaser red flags
NC DOI’s advice: be wary of anything that sounds too good to be true and of high-pressure sales. Never sign a blank form or anything “as proof” someone visited. Do not pay cash for repairs, and keep every record.
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Roof insurance claim questions
How do I file a roof insurance claim in North Carolina?
Photograph the damage, make temporary repairs only, contact your insurer or agent, meet the adjuster and review the settlement. That is the order NC DOI recommends.
Should I repair my roof before the adjuster comes?
Only temporary repairs such as a tarp, and photograph the damage first. NC DOI says not to make permanent repairs until the insurer has inspected and agreed the cost.
Do I pay the insurance adjuster?
Not a company or independent adjuster. A public adjuster works for you and charges a fee.
What if I disagree with the settlement?
Ask for a reinspection if damage was missed. If you disagree on value, your policy’s appraisal provision lets each side pick an appraiser, with an umpire if needed.
Why is my mortgage lender on the insurance check?
Your lender is named on the policy because it has an interest in the home being repaired. You work with them to release the funds.
