Navigating Roof Damage After a Storm
When a storm hits, not every homeowner files an insurance claim — but for those who do, the process can be stressful and time-consuming. Insurance companies often move quickly, and one wrong decision can cost you thousands in lost coverage or repairs that don’t last.
At Gavnat Public Insurance Adjusters, we help homeowners make informed choices from the start. Here are a few do’s and don’ts for handling your storm damage insurance claim the right way.
DO: Take Action and Document Everything
Do contact your public adjuster and roofing contractor right away.
Time is critical after a storm. Contact both your Public Insurance Adjuster (PA) and a reputable roofing contractor as soon as possible. Ask your contractor to take detailed photos of the damage before any repairs begin. These images can serve as valuable documentation when filing your claim and help prevent disputes later.
Do coordinate a meeting with your adjuster and contractor.
Whenever possible, bring your public adjuster, contractor, and yourself together to review damages, estimates, and timelines. This ensures everyone agrees on the scope of work and strengthens your position with the insurance company.
Do understand the repair timeline.
Ask about the repair schedule and seasonal timing. Roof work during the winter months can be challenging and sometimes ineffective—schedule repairs when conditions allow for quality work.
Do meet with your insurance adjuster in person.
A face-to-face conversation early in the process can help clarify coverage, set expectations, and avoid miscommunication.
Don’t: Let the Insurance Company or Storm Chaser Decide for You
Don’t sign with the first contractor who knocks on your door.
After major storms, “storm chasers” often flood neighborhoods offering quick, cheap repairs. Many are uninsured, unlicensed, or use poor materials. Always research and verify contractors before signing anything.
Don’t accept the insurance company’s first offer.
The initial offer rarely accounts for the full extent of damage and required materials. Review all estimates with your contractor and public adjuster to make sure you’re not leaving money on the table. A licensed public adjuster can reassess the claim and negotiate for a fair payout.
Don’t work with a contractor tied to your insurance company.
Insurer-approved contractors may be motivated to cut corners to save the insurance company money. Choose an independent contractor who represents your best interests and upholds quality standards.
DO: Stay Informed and In Control
Do keep your homeowners insurance policy handy.
Knowing your coverage limits, exclusions, and deductible helps you make informed decisions and recognize when an insurer may be underpaying your claim.
Do choose a trusted professional team.
A contractor and public adjuster you hand-pick — not assigned by the insurer — will always work harder for you. Look for licensed professionals with strong reputations and local references.
Get Expert Help With Your Storm Damage Claim
If your property was damaged in a recent storm, don’t navigate the claim alone. Gavnat’s licensed public adjusters handle every detail — from roof inspections and documentation to negotiations — to ensure your claim is settled fairly.
Contact Gavnat today to schedule your free claim review and learn how we can help you get the full value of your storm damage claim.
