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Dealing with roof damage is stressful enough — dealing with insurance shouldn’t make it worse. But for most homeowners, the claims process feels confusing, slow, and stacked against them.
At Whaley Construction Group, we’ve helped hundreds of homeowners navigate storm claims the right way — and get the full payout they’re owed. This guide breaks it all down.
After a storm (hail, wind, or debris), inspect your roof and gutters as soon as it’s safe. You don’t need to climb up — just walk the property and look for:
Pro tip: Even if you don’t see obvious damage, call a contractor to inspect it. Some issues are invisible from the ground — and the clock on your claim is already ticking.
This is where most homeowners make a mistake. They call their insurance company before they know what they’re dealing with — and the adjuster shows up with no accountability.
At Whaley, we recommend you get a full inspection with photos, slope measurements, and a written report before filing your claim. That way, you know what to ask for — and what not to accept.
We’ll tell you whether it’s worth filing a claim, and if it is, we’ll walk you through the next step.
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Once the damage is documented, you’ll contact your insurance company to file a claim. They’ll ask:
After that, they’ll schedule an adjuster to come inspect the property.
This step matters. If no one represents you during the adjuster’s visit, you risk getting underpaid or denied.
At Whaley, we meet your adjuster on-site, walk them through the damage, and make sure nothing is missed — roof, gutters, flashing, vents, drip edge, fascia, and more.
We speak adjuster. You shouldn’t have to.
The insurance company will send you a scope of loss — an itemized estimate of what they’re willing to pay for.
But here’s the truth:
Most initial estimates are missing items.
Some are off by thousands of dollars.
We’ll review the scope with you, line by line, and file supplements if they underpay or leave out necessary work.
Once you approve the scope, we’ll schedule your roof replacement or repairs.
If you have a replacement cost value (RCV) policy, insurance will hold back a portion of the payout — called depreciation — until the work is completed.
We’ll send in the final invoice and photos so you get the full amount released.
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Waiting too long to act. Most policies require claims to be filed within 6 to 12 months of the storm. Miss that window, and you’re paying out of pocket.
If your home was hit by a storm, the claims process doesn’t have to be confusing. With the right contractor on your side, you can get the full payout, protect your home, and move on.
At Whaley Construction Group, we don’t just replace roofs — we guide homeowners through every step of the process.
👉 Call us today for a free inspection and insurance claim review.
Very professional, knowledgeable. Young man at age assisted me but knew his stuff and made it easy for me to understand
I recently moved back into my childhood home and needed some roofing done. I reached out and ******* did everything I asked and more. I had plenty of questions and he addressed them all being making sure I was knowledgeable and comfortable until the completion of the project!
Whaley Construction Group made the whole roof replacement easy and stress-free. Great communication, fast work, and the roof looks amazing. Highly recommend!
Everything’s above board: licensed, insured, and built to last — exactly how it should be.
No shady vans. No disappearing acts. Just reliable local service.
You won’t have to chase your carrier — we’ll guide the claim, meet the adjuster, and explain every step.
