Should I call my insurance company or a roofer first?

Many homeowners have the roof inspected first to find out whether there is damage worth reporting. Check your policy for reporting deadlines either way.

Will you negotiate my claim with the insurance company?

No. Coverage and settlement are between you and your insurer. We document the roof, explain what we find, and can review the insurer's scope against the roof's actual condition.

Can you cover my deductible?

No. Your deductible is your responsibility under your policy, and we do not waive, absorb, or rebate it.

Will filing a claim raise my rates?

That depends on your insurer and policy. Ask your insurance agent directly.

Storm damage · Insurance claims

Roof Insurance Claim Help in Utah

A storm claim goes more smoothly when the damage is clearly documented from the start. We inspect the roof, photograph what we find, and explain it plainly — so you can make informed decisions with your insurance company.

Get Your Roof Documented Call (435) 817-3651

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20+ years construction experience
Roofing-first construction
Utah offices
St. George and Sandy
Residential & commercial
Roofing, storm restoration, exteriors

Our role

Clear Documentation, Honest Answers

Your insurance company decides what is covered and how much is paid. Our role is to inspect the roof, document storm damage accurately, and complete the approved repair or replacement work.

If we do not find meaningful storm damage, we will tell you. Filing a claim for damage that is not there does not help you.

Northridge Roofing crew replacing a residential roof in Utah

How it works

The Typical Claim Path

Every insurer and policy is different, but most storm claims follow a similar sequence.

Inspection

Have the roof inspected so you know whether there is storm damage worth reporting.

File the claim

You contact your insurance company and open a claim. Review your policy and deductible.

Adjuster visit

The insurer sends an adjuster to inspect. You can ask that your contractor be present.

Claim decision

The insurer issues a decision and scope of loss describing what they will cover.

Review the scope

We can review the insurer's scope against what we documented on the roof and explain any differences.

Restoration

Approved work is scheduled and completed, and documentation is provided for the claim file.

Documentation

What We Document

Good records answer the questions an adjuster will ask.

Hail impacts on shingles, metal, and vents
Wind-lifted, creased, or missing roofing
Damage to gutters, siding, and screens
Roof measurements and materials
Interior water staining
Photos tied to roof locations

Know your policy

Questions to Ask Your Insurer

Understanding your policy before work starts avoids surprises.

Deductible

Is your deductible a fixed amount or a percentage of dwelling coverage? You are responsible for paying it.

Replacement vs. actual cash value

Some policies pay depreciated value first and the remainder after work is completed; others pay only actual cash value.

Filing deadlines

Policies have time limits for reporting damage. Ask your insurer how long you have.

Plain talk

What We Will and Will Not Do

We will inspect, document, explain the damage, meet the adjuster when you request it, and do the work to the approved scope.

We will not tell you a claim will be approved, promise to cover or waive your deductible, or act as your public adjuster. Coverage and settlement decisions are between you and your insurance company.

Not Sure the Storm Did Anything?

Many homeowners start with an inspection simply to find out. If the roof is fine, you will know — and you will have photos of its condition for your records.

Hail damage inspections

What to expect