Storms can wreak havoc on your roof, and when the damage is done, filing an insurance claim seems like the logical next step. But the process isn’t always as straightforward as it sounds. For homeowners in Grapevine, TX, where wind, hail, and heavy rains are common, understanding the realities of filing storm-related roofing claims can help you avoid delays, stress, and financial surprises. Here’s what you need to know before you make the call.
1. Your Insurance Policy May Not Cover Everything
Many homeowners assume that their policy covers all types of storm damage—but the truth is more complicated. Standard policies usually cover damage from hail, wind, or falling debris, but may exclude damage due to age-related wear and tear, flooding, or poor maintenance.
Review your policy’s coverage limits and exclusions carefully before filing a claim. If your roof was already in poor condition, the insurer might deny the claim, arguing the storm only exacerbated preexisting issues.
2. Documentation is Crucial
When filing a claim, thorough documentation is essential. Take clear, date-stamped photos of the damage, both close-up and from a distance. If it’s safe, capture images of damaged shingles, dents in flashing or vents, and any interior water damage caused by roof leaks.
Keep records of all related expenses, including temporary repairs or emergency tarping. Your insurer will want proof that the damage occurred due to a recent storm, not long-term neglect.
3. An Inspection by a Trusted Contractor Comes First
Before you contact your insurance company, have your roof inspected by a reputable roofing contractor. Companies like KangaRoof, serving Grapevine, TX, offer professional inspections and can identify hidden damage that might be missed by insurance adjusters.
A contractor’s report can strengthen your claim by providing a professional assessment and repair estimate. Plus, KangaRoof’s team has experience working with insurance companies and can guide you through the documentation and claims process.
4. Adjusters Don’t Always Catch Everything
Insurance adjusters are not roofing specialists, and their evaluations can vary significantly. They may overlook or underestimate damage, especially if it’s not visible from the ground. Having your own contractor present during the adjuster’s visit can ensure that nothing is missed.
Don’t hesitate to request a second inspection or dispute an insufficient estimate. Your roof is one of your home’s most valuable assets, and you deserve accurate coverage.
5. Not All Roofers Are Insurance-Savvy
After a major storm, it’s common for out-of-town contractors or “storm chasers” to flood neighborhoods offering quick fixes. Many of these companies lack the knowledge—or interest—to help you navigate the claims process correctly.
Working with an experienced, local contractor like KangaRoof ensures that your repairs are done to code, with quality materials and in compliance with insurance guidelines. As an OC Preferred and Emerald Premium contractor, KangaRoof meets rigorous standards that protect your roof and your investment.
Final Thoughts
Filing a storm-related roofing claim isn’t just about reporting damage—it’s about understanding your policy, documenting everything, and partnering with professionals who have your best interests at heart. For homeowners in Grapevine, TX, these five realities can make or break the success of your claim.
When the next storm hits, don’t go it alone. Trust KangaRoof to help you protect your home and navigate the roofing claim process with confidence and clarity.Read also our blog: Winterize Your Home: Roofing Tips to Stay Protected