Roof Insurance Claim Assistance in Winston Salem
Not every claim has the same outcome
Should You Make an Insurance Claim for Your Roof?
Filing a roofing insurance claim can seem like a great option when your roof has sustained damage, but not all claims are created equal. Understanding when to file—and when to hold off—can save you time, money, and potential headaches with your insurance provider.
1. Was There a Storm Reported in Your Area?
Insurance claims for roof damage are typically storm-related, meaning they must be tied to a specific weather event. Insurance companies usually allow claims for damage that occurred within the last one to two years, depending on your policy.
However, not all storms impact roofs the same way. The severity of damage depends on several factors, including:
✅ The age of your roof – Older roofs are more susceptible to wind and hail damage.
✅ The type of shingles installed – Some shingles are more impact-resistant than others.
✅ The pitch of your roof – Steeper roofs tend to shed hail and debris differently than lower-sloped roofs.
Before filing a claim, it’s crucial to have a professional inspection to assess whether your roof has damage consistent with the reported storm.
2. Is This a Negligence Claim or Storm Damage?
One of the biggest mistakes homeowners make is filing a claim without understanding the type of damage they have. Insurance companies distinguish between sudden storm-related damage and damage caused by neglect or wear and tear.
🚫 Negligence Claims (Not Covered):
Aging or worn-out shingles
Lack of maintenance leading to leaks
Gradual deterioration over time
✅ Storm Damage Claims (Covered):
Wind damage (missing, lifted, or creased shingles)
Hail damage (bruised or cracked shingles)
Impact damage from debris
Making a claim when no legitimate storm damage exists can put your policy at risk. If an adjuster determines your roof has no claimable damage, your insurance provider may deny coverage or even non-renew your policy in the future.
3. Do You Have the Right Documentation?
If you’re considering an insurance claim, documentation is key. Before filing, make sure you have:
📸 Clear photos of the damage – A professional roofing contractor can provide high-resolution images showing storm-related impact.
📄 A detailed inspection report – This should align the damage with a specific storm event.
📅 A timeline of when the damage occurred – Most policies have strict time limits on filing claims.
At Blue Hat Roofs, we provide free storm damage inspections and document everything you need to support a valid claim.
Final Thoughts: Get Professional Guidance
Filing an insurance claim for a new roof should be based on legitimate storm damage, not just the hope of getting a free roof. Before calling your insurance provider, let a trusted roofing professional inspect your roof and guide you through the process.
Want an experts opinion?
📞 Call us today at [Your Number] or schedule a free inspection online!
Your Roof Claim Was Denied or Underpaid—What Now?
If you’ve already filed a roof damage claim and received a denial, partial approval, or an estimate that doesn’t fully cover repairs, you might feel frustrated—especially if neighbors with similar damage were fully approved. Insurance companies don’t always get it right on the first review, and there are several ways to challenge their decision and fight for a fair payout.
1. Understand Why Your Claim Wasn’t Fully Approved
Before taking action, identify exactly why your claim wasn’t approved in full. Common reasons include:
🚫 Full Denial: “Your roof has no storm-related damage.”
Possible Issue: The adjuster may have overlooked damage, misidentified it as wear and tear, or failed to compare it to known storm events.
Next Steps: Request a reinspection with a different adjuster and provide a second opinion from a professional roofer.
🟡 Partial Approval: “We will cover some repairs, but not a full replacement.”
Possible Issue: The adjuster determined that damage is limited to one section of the roof.
Next Steps: If the shingles on your roof are discontinued or a partial repair won’t restore uniformity, you may have grounds for a full replacement under matching rights laws or your policy’s provisions.
⚠️ Acknowledged Damage But Below Deductible: “Your roof has damage, but the cost to fix it is lower than your deductible.”
Possible Issue: The insurance estimate may undervalue materials or labor costs, making it look like repairs are cheaper than they actually are.
Next Steps: Get a detailed contractor’s estimate and compare it to the insurance report. If costs are understated, request an adjustment.
2. Request a Reinspection (With a Different Adjuster!)
If your claim was denied or undervalued, you have the right to request a reinspection.
✅ Pro Tip: Ask for a different adjuster from the one who originally inspected your roof. Adjusters are human, and a second opinion can make all the difference—especially if your neighbors were approved.
To strengthen your case:
📸 Provide detailed damage report, with proper images and descriptions.
🗂️ Show storm history reports proving that weather events affected your area.
🔍 Ask your contractor to meet the adjuster on site to back up your claim.
At Blue Hat Roofs, we specialize in these situations. We’ll meet with the adjuster and make sure all damage is properly documented and aligned with the storm that caused it.
3. Check If Your Shingles Are Discontinued
If your shingles are no longer manufactured, a partial repair may not be possible—meaning your insurance may be required to cover a full replacement.
If your claim was partially approved but denied full replacement, we’ll check your shingles against manufacturer records to see if this argument applies.
4. Compare Estimates: Is Your Insurance Company Underpaying?
Insurance companies often use their own pricing models to determine repair costs, cross checking for any missing material or deficiencies can help you get your proper settlement.
5. File a Supplement or Appeal
If you have new evidence or believe your claim was unfairly denied, you can file a supplement or appeal. This involves submitting additional documentation to challenge the original decision.
💡 How We Help:
We gather detailed photo documentation of all damage.
We use storm reports and shingle matching laws to strengthen your case.
We provide an independent contractor’s cost breakdown to ensure fair pricing.
We communicate directly with the insurance company to push for a proper payout.
6. Consider Hiring a Public Adjuster (If Needed)
If you’ve exhausted all options and still aren’t getting a fair settlement, hiring a licensed public adjuster could be an option. Public adjusters work for you, not the insurance company, and they can negotiate a better outcome.
At Blue Hat Roofs, we will exhaust every possible approach before recommending this step. In most cases, we can help you win a better estimate without the need for a public adjuster.
Don’t Settle for Less Than You Deserve
Insurance companies don’t always get it right on the first try—but that doesn’t mean you have to accept an unfair outcome. Whether your claim was denied, underpaid, or only partially approved, there are still ways to fight for a fair settlement.
🔹 Step 1: Schedule a free second opinion with us.
🔹 Step 2: Let us compare estimates and document overlooked damage.
🔹 Step 3: We’ll work with your insurance to maximize your payout.
📞 Call us today at [Your Number] or schedule a free inspection online!
Let’s make sure you get the coverage you’re entitled to.
Not Every Roof Needs an Insurance Claim — And That’s OK
At Blue Hat Roofs, we specialize in storm damage roof repairs and working with insurance claims, but we’re not in the business of forcing claims that won’t get approved. Not every roof deserves a claim, and submitting one without proper damage can actually hurt your standing with your insurance company. When we inspect your roof, we provide a clear, honest evaluation. We let you know the probability of insurance approval and what specific damage—like hail hits, wind uplift, or shingle bruising—might justify a valid claim. If it’s not likely to be covered, we’ll tell you straight. We want your roof to get fixed the right way, and we don’t want your insurer to see you as a risk. If you’re searching for trusted storm roof inspectors near me or should I file a roof insurance claim, you’re in the right place. We’re here to help you make informed decisions—not just file paperwork.
Why do roofing estimates vary so much, and what should I look for beyond just the lowest bid?
Investing in a new asphalt shingle roof is a significant decision. While it may be tempting to choose the lowest bid, it’s important to understand that reputable roofing contractors often provide estimates that reflect the true cost and you should take the following points into consideration:
1. Quality Materials
In North Carolina, where weather conditions can range from intense sun to heavy rain and occasional hurricanes, selecting high-quality roofing materials is crucial. Premium materials ensures your roof can withstand the diverse weather conditions our state offers. Opting for the right combination of shingles and underlayment can lead to long-term savings by reducing maintenance and replacement expenses.
2. Skilled Labor
Professional installation is crucial for the performance and longevity of your roof. Labor costs typically account for 30-40% significant portion of the total roofing expense. Our experienced contractors invest in ongoing training and adhere to industry best practices, ensuring that your roof is installed correctly and current code.
3. Roof Complexity
A simple two slope roof design will generally be less expensive to install than a complex roof of the same size. The design and structure of your roof affect both material and labor costs. Factors such as roof pitch, the number of valleys, and the presence of features like chimneys or skylights add complexity to the installation process. More complex roofs generate more wasted material
4. Comprehensive Insurance and Licensing
As Reputable contractors Blue Hat Roofs maintains fully insured, including workers’ compensation and liability coverage. These measures protect both the workers and homeowners in case of accidents or damages during the project. Maintaining these credentials involves costs that are reflected in the contractor’s pricing but provide essential safeguards for all parties involved.
5. Warranty and Post-Project Support
Blue Hat contractors often offers a robust warranty of 10 years. This commitment ensures that any issues arising after the project’s completion are addressed promptly and professionally. A warranty you can trust, offering assurance on your investment
Conclusion
You often get what you pay for. Opting for quality and professionalism over the lowest bid can save you from future headaches and expenses, ensuring your home remains protected for years to come.
How We Help with Your Insurance Claim
Navigating an insurance claim after storm damage can feel overwhelming—but you don’t have to go it alone. At Blue Hat Roofs, we walk you through the entire process, from the initial inspection to final repairs. Our team provides thorough documentation, meets with your adjuster if needed, and ensures you receive the coverage you deserve. We advocate for you every step of the way, making the claims process smoother and stress-free.
Need Help with a Roof Insurance Claim? We’ve Got You Covered.
Don’t wait and wonder what your insurance will cover. Let Blue Hat Roofs provide a free inspection and guide you through the claim process with confidence.