Helping You Navigate Roofing Insurance Claims with Confidence
Dealing with storm damage to your roof can be overwhelming—especially when it comes to filing an insurance claim. At High Point Roof Masters, we help homeowners connect with reliable, licensed roofing contractors who can guide you through each step of the process—from inspection to roof replacement.
Important Note: High Point Roof Masters is not a public adjuster and does not negotiate or settle insurance claims. We work as a referral and lead generation platform, connecting you with contractors who can meet with adjusters and ensure your damage is properly documented.
Step 1: Schedule a Roof Inspection & Estimate
Before contacting your insurance company, it’s important to determine if your roof has storm-related damage that qualifies for a claim.
- Conduct a comprehensive inspection for wind, hail, and water damage
- Identify missing shingles, soft spots, punctures, or leaks
- Document findings with photos and written reports to support your claim
Get started:
Call (743) 222 4673 or fill out our online request form to book a free inspection with a referred local roofing contractor.
Step 2: Filing the Insurance Claim
Once damage is confirmed, the next step is to file a claim with your insurance provider.
What you'll need:
- The date and time the storm occurred
- Your insurance policy number
- Inspection reports or photos gathered by the contractor
Your insurance company will provide a claim number—keep this handy throughout the process. While High Point Roof Masters does not handle claims directly, the contractor can help you understand the process and assist with repair estimates.
Step 3: Adjuster Inspection
After your claim is filed, an insurance adjuster will be assigned to assess the damage in person.
Important: Once the appointment is scheduled, be sure to notify your roofing contractor. Having a professional on-site ensures the adjuster sees the full extent of the damage.
Why this matters:
- Contractors help ensure no damage goes undocumented
- They confirm that estimates align with local building codes and best practices
- They can request clarification or additional documentation if needed
While the contractor can speak with the adjuster about the scope of work, they cannot negotiate settlement amounts on your behalf.
Step 4: Reviewing the Insurance Estimate
Following the adjuster’s inspection, your insurer will issue a Scope of Work, which outlines:
- The repairs approved for coverage
- Replacement costs and depreciation (if applicable)
- Your policy deductible
Next steps:
- Share the insurance estimate with your roofing contractor
- The contractor will review it for accuracy and completeness
- If any work is missing, they may help you submit a supplemental request to your provider
Step 5: Roof Replacement & Payment Process
If your claim is approved, your roof repair or replacement will proceed in stages:
First Insurance Payment (ACV)
This initial payment covers the depreciated value of your roof and is typically issued shortly after approval.
Roof Work Begins
Once you’ve received your ACV payment and signed off on the work, the contractor will schedule and begin the replacement.
You will be responsible for paying your deductible, as outlined in your policy.
Final Payment (Depreciation Release)
After work is completed, the contractor will send a final invoice to your insurer. If your policy includes Recoverable Depreciation, the remaining balance will be released to you.
You’ll then submit this final payment to the contractor to close out the project.
Why Work with Our Referred Roofing Contractors?
The contractors we connect you with offer:
Free Storm Damage Inspections –
Detailed reports to support your claim
Insurance Claim Guidance –
Help understanding what’s covered and what isn’t
Licensed, Insured Professionals –
Compliant with North Carolina codes and safety standards
Efficient Adjuster Coordination –
Ensure your repair scope is fair and accurate
Quality Roofing Work –
All repairs meet industry and manufacturer guidelines
Frequently Asked Questions
How do I know if my roof qualifies for a claim?
If your roof has missing shingles, hail dents, visible leaks, or other weather-related damage, it may qualify. A roofing contractor can perform a free inspection and document the findings.
Will filing a claim increase my insurance premium?
Claims for storm damage (considered “acts of God”) typically do not impact premiums, but policies vary. Check with your insurance provider for specifics.
What if my claim is denied?
You can request a reinspection. Contractors may provide additional documentation or photos to support your appeal.
Do I need multiple estimates for my claim?
Usually not. Most insurers base payments on their own assessments, but if their estimate seems too low, the contractor can help request a supplement.
All-In-One Roofing Solutions
From repairs to full replacements, skylights, and storm restoration, we handle it all with professionalism.
How long does the claims process take?
Most claims are resolved within 2–4 weeks, though timing depends on your insurance company and adjuster availability.
Start Your Roofing Claim the Right Way
Don’t delay roof repairs that could lead to more damage. If your home was affected by a storm, let High Point Roof Masters connect you with a trusted roofing professional who can help you every step of the way.
