Roof Damage Insurance Claims in Raleigh, North Carolina
Storm damage to your roof is covered by most homeowner policies in North Carolina. Getting the payout is the hard part. Lamar Homes Roofing documents the damage, files the claim, meets your adjuster on the roof, and rebuilds once it is approved. We work hard so you don’t have to.
How a roof damage insurance claim works in North Carolina
If a storm came through and your roof took hail or wind damage, you have a claim. Homeowners lose money on those claims for two reasons, and both are avoidable: they file without evidence, and they let the adjuster’s first number stand.
Lamar Homes handles both. Before anything is filed, a GAF Certified inspector photographs every point of damage and takes measurements, so the claim goes in backed by documentation rather than a description. When the field adjuster comes out, we meet them on the roof and walk the damage with them so nothing gets left off the scope.
Already had a claim denied? That is not the end of it. Denials usually come down to missing evidence or a scope written too small, and both can be challenged. Book a free roof inspection or call (984) 224-7182 and we will look at what happened. If the damage turns out to be minor, we can simply repair it without a claim at all.
Our insurance claim process
Free roof inspection
We document the damage on site with photos and measurements so your claim is backed by evidence.
File your claim
We guide you through filing with your homeowner's insurance and tell you exactly what to expect.
Meet the adjuster
A field adjuster assesses the damage. We are there to make sure nothing gets missed.
Receive the scope of work
Your insurer issues the approved scope. We review it with you line by line.
Schedule installation
We arrange your installation date and confirm your preferred roof color.
Final walkthrough
We complete the work, clean up, and hand the roof back to you with warranty paperwork.
Insurance companies we work with
Here is a list of some of the top insurance companies we have great working relationships with.
Allstate
Farm Bureau
USAA
Farmers Insurance
Liberty Mutual
Met Life
Nationwide
Travelers
State Farm
Amica
American Family
The Hartford
The full claim process
Tap a diagram to open it full size.
Roof insurance claim questions
Does insurance cover roof replacement?
Usually yes when the damage came from a covered event such as wind, hail or a fallen tree, and usually no when the roof simply wore out. Most North Carolina policies pay replacement cost less your deductible. Our free inspection tells you which side of that line you are on before you file.
How does the roof insurance claim process work?
You call us first, we document the damage with photos and measurements, you file the claim, and we meet the adjuster on the roof. The insurer issues a scope and a first payment, we do the work, and the depreciation is released when it is complete. Start to finish is typically three to six weeks.
Do you do roof inspections for insurance claims?
Yes. A roof inspection for an insurance claim is the same free inspection we do for anyone, written up the way an adjuster expects: dated photos, measurements, and the cause of loss stated plainly.
Is storm damage roof insurance claim help really free?
The inspection, the documentation and meeting the adjuster cost you nothing. You pay your deductible on the repair, and North Carolina law does not allow a contractor to waive it.
Pick a date & book your FREE on-site inspection now
We get on the roof, photograph what is actually there, and hand you a written report with a price. No charge, and no obligation to book the work with us. If the roof has years left in it, that is what the report will say.
Give us a call or fill out our form today to schedule your free inspection!
Whether you need a roof replacement, roof repair, or annual inspection, we’ve got you covered.