Jacksonville, NC — Weather clear. Storm season is active — get a free roof inspection today.
Free Homeowner Resource
ROOFING INSURANCE
CLAIM GUIDE
Everything you need to know to file a successful storm damage claim and get the full coverage you deserve.
Important: North Carolina is frequently impacted by hurricanes, tropical storms, and severe hail events. Most homeowners are entitled to a full roof replacement — but only if they know how to file properly.
Step By Step
THE CLAIMS PROCESS
From storm to repaired roof — here's exactly what happens.
Storm Occurs
Hail, high winds, or tropical weather damages your roof.
Document Damage
Photograph everything immediately before any cleanup.
Call Your Insurer
File your claim and get a claim number assigned.
Get a Roofer Inspection
We provide a free detailed damage assessment report.
Adjuster Visit
Insurance adjuster inspects — have us present for best results.
Claim Approved
Receive your insurance estimate and review the scope.
Repairs Completed
Licensed crew completes your roof repair or replacement.
Final Inspection
We ensure the job meets code and your satisfaction.
Interactive Checklist
STORM DAMAGE CHECKLIST
Check off each item as you complete it. Missing steps can cost you coverage.
Immediate (Within 24 Hours)
0/7- Ensure the property is safe before entering storm-damaged areas
- Take photos and videos of ALL visible damage from ground level
- Document the date and time of the storm event
- Prevent further damage — cover exposed areas with a tarp if safe to do so
- Do NOT make permanent repairs before the adjuster visits
- File your insurance claim as soon as possible (delays can hurt your case)
- Call Life Construction Roofing for a free damage inspection: (910) 507-1192
Documentation (Before Adjuster Arrives)
0/7- Photograph every room interior for potential water intrusion damage
- Save all receipts for emergency repairs (tarps, temporary fixes)
- Gather your insurance policy documents & note your deductible amount
- Write a detailed written account of what happened and when
- Photograph any damaged personal property inside the home
- Get a written damage estimate from a licensed roofing contractor
- Note your neighbor's contact info — they may have witnessed the storm
During the Adjuster Visit
0/7- Have a licensed roofer present during the adjuster inspection
- Point out ALL areas of concern — don't let the adjuster rush
- Get the adjuster's name, contact info, and claim number
- Ask specifically about code upgrade coverage (often overlooked)
- Request a written copy of the adjuster's inspection report
- Note everything that is and isn't included in the scope of damage
- If denied or underpaid, you have the right to request a re-inspection
After the Claim is Approved
0/7- Review the scope of work in the insurance estimate carefully
- Compare insurance estimate with your contractor's estimate
- Verify the insurance estimate includes all necessary repairs
- Understand the RCV (Replacement Cost Value) vs ACV (Actual Cash Value)
- Ask your contractor about supplemental claims for missed items
- Keep all receipts and invoices — you may need them for depreciation recovery
- Schedule work with a reputable, licensed local contractor
Know Your Rights
WHAT INSURERS LOOK FOR
Photo Evidence
Insurers want clear, timestamped photos showing hail dents, missing shingles, granule loss in gutters, and any interior water damage.
Contractor Report
A professional damage assessment from a licensed roofer gives your claim credibility and identifies damage the adjuster may miss.
Timeliness
Filing promptly after a storm event shows the damage is storm-related, not pre-existing. Delays can trigger automatic denials.
Common Questions
FREQUENTLY ASKED QUESTIONS
LET US HANDLE YOUR CLAIM
Life Construction Roofing is not a licensed public adjuster, but we can help point you in the right direction. We'll inspect your roof for free, document the damage thoroughly, and refer you to trusted professionals who can assist with the claims process.
ROOFING ASSISTANT
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