Step 1: Ensure Safety First
After a storm passes, your first priority is safety. Check for obvious hazards like downed power lines, gas leaks, or structural damage. If you see sagging ceiling areas or water pouring into your home, move to a safe location. Only go outside to inspect your roof once it's safe. If in doubt, wait for professional help.
Step 2: Document the Damage Thoroughly
Before any repairs or tarping, document everything. Take photos and videos of your roof, gutters, yard, and any interior water damage. Capture multiple angles. This documentation is your most important asset during the claims process. Make sure photos are date-stamped if possible. Don't move debris or make permanent repairs before your adjuster visits — they need to see the damage firsthand.
Pro Tip: Use your phone's panoramic mode to capture full sections of your roof in a single shot. This gives adjusters a clearer overall picture than individual close-ups.
Step 3: Temporary Emergency Repairs
If your roof is leaking or there's a hole, you should make temporary repairs to prevent further damage — most insurance policies require this. Call Home Rescue Solutions for emergency tarping and board-up services. We can stabilize your roof while preserving the evidence your adjuster needs. Keep all receipts for temporary repairs as they're typically reimbursable.
Step 4: File Your Insurance Claim Promptly
Contact your insurance company as soon as possible. Most policies have time limits for filing claims. When you call, have your policy number, the date of the storm, and a初步 description of the damage ready. The insurance company will assign a claim number and schedule an adjuster visit. Write down the claim number and your adjuster's contact information.
Step 5: The Adjuster Inspection
Your insurance adjuster will inspect your roof and property to assess the damage. This is where having a professional roofing contractor by your side makes a huge difference. Home Rescue Solutions meets your adjuster on-site to ensure all damage is identified and documented. We've seen adjusters miss hail damage on slopes, underestimate wind damage, or overlook secondary issues like damaged flashing and gutters. We make sure nothing is missed.
Step 6: Review the Settlement
After the adjuster's inspection, your insurance company will provide a settlement estimate. Review it carefully. Does it cover the full cost of replacing your roof with like-kind materials? Does it include proper underlayment, flashing, and disposal? If the estimate seems low, your contractor can provide a supplement — a detailed breakdown of additional costs that the adjuster may have missed. Home Rescue Solutions handles supplements on every claim to ensure you get full coverage.
Step 7: Choose a Qualified Contractor
Once your claim is approved, choose a reputable, certified contractor for the repair or replacement. Make sure they are licensed, insured, and have manufacturer certifications (like GAF Certified or Owens Corning Preferred). Avoid storm chasers — out-of-town contractors who disappear after the job. Home Rescue Solutions is local, firefighter-owned, and has a proven track record of quality work across the RGV.
How Home Rescue Solutions Helps with Insurance Claims
We handle the entire process for you:
- Thorough damage documentation with photos and reports
- Meet with your insurance adjuster on-site
- Detailed estimates and supplements for full coverage
- Coordinate with your insurance company throughout
- Complete restoration from emergency tarp to final finish
All with our 10-year workmanship warranty. Call (956) 900-7657 for a free post-storm inspection.