Roof Storm Damage
Insurance Claims Charlotte NC

As soon as it is safe to go outside after a storm, begin documenting any visible damage. Take wide-angle photos of your entire roof from multiple angles, close-up photos of any visible damage to shingles, gutters, flashing, or vents, and photos of any debris or fallen branches on your property. Document damage to siding, windows, and outdoor structures as well, since these items support the severity of the storm event. Record the date and time, and write notes describing what you observe. Do not climb on the roof yourself — ground-level photos and photos from upper-story windows are sufficient for the initial report.

Call your homeowners insurance company as soon as possible, ideally within 48 hours of the storm. Provide your policy number, the date of the storm, and a general description of the damage you observed. Ask for a claim number and the name of the adjuster who will be assigned to your case. Do not sign any contracts or agree to any repairs until after your professional inspection and adjuster visit. Your insurance company will schedule an adjuster to visit your property, typically within 5-14 business days, though this timeline can stretch after major storm events that affect many homes simultaneously.

When the insurance adjuster visits your property, Best Roofing Now can be there with you. Our storm damage specialist will walk the roof alongside the adjuster, point out all documented damage areas, and ensure nothing is overlooked. Adjusters are often under time pressure and may miss damage that is not immediately visible, especially on the back side of the roof or in hard-to-reach areas. Having your contractor present ensures a thorough and fair assessment. We share our inspection report and supporting photos directly with the adjuster, which typically results in a more complete and accurate damage estimate.

Once the adjuster completes their assessment, your insurance company will send a settlement offer, sometimes called the “scope of loss.” Review this document carefully with your roofing contractor before accepting. Best Roofing Now compares the insurance estimate against our own inspection report to verify all damage is accounted for. If the settlement is insufficient, we help you file a supplement with additional documentation. Many initial estimates undervalue the true scope of repair, and filing a well-supported supplement is a normal and expected part of the process. We handle this paperwork at no charge to you.

With your insurance settlement approved, choose a licensed, insured contractor to perform the repairs. Best Roofing Now coordinates directly with your insurance company on scheduling, material specifications, and payment. We use only manufacturer-certified materials and our work is backed by both material and workmanship warranties. Most storm damage repairs are completed within 1-3 days, and your only out-of-pocket cost is typically your insurance deductible. We handle the entire project from material ordering through final inspection and cleanup, so you can focus on getting back to normal.