Should You Call a Roofer or Your Insurance Company First After a Storm?
Navigating Insurance Claims After a Storm: Insights from Roofing Experts
When a major storm rolls through—especially one bringing hail or high winds—homeowners are often left wondering what to do next. The natural instinct is to call the insurance company right away. However, roofing experts say that first call can significantly impact how smoothly and successfully your claim is handled.
In a recent podcast discussion following a significant hailstorm that struck the west side of Manhattan on April 28, industry professionals shared practical insights on how homeowners should approach storm damage and insurance claims. One key takeaway stood out: your first call should be to a trusted roofing professional before filing an insurance claim.
Here’s why that matters.
Storm Damage Isn’t Always Black and White
The April hailstorm caused widespread damage across many neighborhoods and led to a surge in insurance claims. But as Brandon from Weddle and Sons explained, storm damage assessments are rarely consistent.
“I always tell people I could put ten different insurance companies on their property and I am going to get ten different answers with ten different prices.”
Insurance adjusters work for insurance companies, and their evaluations can vary depending on who inspects the roof, what they notice, and how they interpret the policy. Without an experienced roofer involved from the start, important damage can be missed or undervalued.
That’s why having Weddle and Sons inspect your roof before filing a claim helps you enter the process informed and prepared.
Why Calling a Roofer First Protects You
Before any paperwork is filed, Weddle and Sons begins with a professional inspection. This accomplishes two important things:
First, it confirms whether a claim is justified.
Not every mark or blemish qualifies as storm damage. Filing unnecessary claims can sometimes affect your insurance record. A professional roofer helps you avoid that risk.
Second, it documents damage correctly from day one.
If storm damage is present, proper identification and documentation ensure nothing is overlooked when the insurance adjuster arrives.
Once damage is confirmed, Weddle and Sons can guide you through the claim process and even meet the adjuster on site.
The Claim Process—When Done the Right Way
After a roofing inspection confirms storm damage, the insurance process typically follows these steps:
Inspection with the Adjuster
Weddle and Sons prefers to be present when the insurance adjuster inspects your roof. This allows for real-time discussion and helps prevent missed or disputed items.
Reviewing the Insurance Estimate
If the adjuster determines the roof is a total or partial loss, Weddle and Sons reviews the claim paperwork carefully.
“We will get a copy of that insurance claim and review it to make sure the adjuster did not miss anything.”
Homeowners often don’t realize when important components—such as ventilation, flashing, or required code upgrades—are missing from an estimate.
Understanding What You Actually Pay
In most cases, homeowners are only responsible for their deductible. Insurance companies typically issue an initial Actual Cash Value (ACV) check, followed by a second payment after the work is completed.
“The first check plus the second check equals the total cost of the project minus the deductible.”
Having an experienced roofer explain this upfront removes confusion and helps homeowners plan financially.
Insurance Paperwork Can Be Overwhelming—You Don’t Have to Do It Alone
For homeowners who have never filed a roofing claim, insurance documents can feel intimidating. Many clients send their paperwork to Weddle and Sons simply saying they don’t understand it.
That’s normal—and exactly why calling a roofer first makes such a difference.
Weddle and Sons helps homeowners interpret insurance estimates, communicate with adjusters, meet deadlines, and avoid costly mistakes. Instead of navigating the process alone, you have an advocate who handles this every day.
Timing Matters More Than You Think
Most insurance policies allow one year from the date of loss to file a claim. That clock starts on the day the storm hits—not when the claim is filed.
If you suspect hail or wind damage, even if you’re unsure, acting early is wise.
“If you have any suspicion that you might have damage from a hailstorm, give us a call.”
An early inspection doesn’t obligate you to file a claim, but it protects your options.
The Bottom Line: Start with the Right First Call
Calling your insurance company first may seem logical, but calling Weddle and Sons first puts you in control.
Key takeaways for homeowners:
Insurance assessments vary
Professional roofing inspections provide clarity
Having a roofer present during the adjuster visit helps ensure accurate damage evaluation
Most homeowners only pay their deductible
Filing timelines are strict, and waiting can cost you
If your home was hit by a recent storm and you’re unsure what to do next, start with a trusted local expert. Weddle and Sons Roofing is here to inspect, explain, and advocate—so when you do call your insurance company, you’re already one step ahead.