Storms in Utah can hit hard. Between strong winds, pounding hail, and heavy snow, your roof can take a serious beating. If you’re a homeowner in Logan or anywhere in Northern Utah, knowing how to handle a roof insurance claim after a storm can save you a lot of time, money, and stress.
Let’s walk you through how to get your Utah roof insurance claims approved. No matter the storm damage, these steps will help you get the most out of your insurance and protect your home.
Step 1: Take Action Right After the Storm
Don’t wait around. The faster you take action, the better your chances of getting your claim approved.
Here’s what you should do:
- Check for damage while staying safe. Look around your home and yard for missing shingles, sagging gutters, or leaks. Avoid getting on the roof and use binoculars instead.
- Take pictures and video. Get clear photos of all the damage you see. These will help prove your claim later.
- Do quick fixes to stop more damage. Cover any leaks with a tarp or boards to keep water out. Keep all receipts, your insurance may pay you back.
Step 2: Know What Your Insurance Covers
Before you file a claim, go through your homeowners’ policy. Not everything may be covered.
Here are a few terms to understand:
- RCV (Replacement Cost Value): Pays to replace your roof with a brand-new one.
- ACV (Actual Cash Value): Pays only what your roof is worth today after age and wear are considered.
- Wind/Hail Deductible: Some Utah policies have separate deductibles for storm damage, and they can be higher than your regular deductible.
Also, be aware that old or poorly maintained roofs may not be fully covered.
Step 3: Get a Roof Inspection from a Pro
Even if damage seems small, call a trusted local roofer for a full inspection. Some problems, like hail dents or small leaks, aren’t easy to spot without training.
At Homer Roofing, our Logan roof storm damage experts know exactly what to look for and can provide a full damage report to help support your insurance claim.
Step 4: File the Claim with Your Insurance
Once you have the inspection report and photos ready, contact your insurance company to file your claim.
Utah roof repair insurance tips for filing your claim:
- Be clear and honest. Tell them exactly what happened and don’t leave anything out.
- Send all your proof. Include photos, receipts, and your roofer’s report.
- Be ready to meet the adjuster. Your insurance will send someone to check the damage. It’s a good idea to have your roofer there too, so nothing gets missed.
Step 5: Know What the Adjuster Does
Remember, your adjuster works for the insurance company. Their job is to check the damage and figure out how much your insurance will pay.
But remember, they don’t work for you. That’s why you should have your roofer there during the inspection.
If you don’t agree with their report:
- Ask for a copy of their findings
- Request a second inspection if needed
- Get help from a public adjuster or roofing expert
Step 6: Don’t Start Major Repairs Until You’re Approved
It’s tempting to fix things fast, especially if your roof is leaking. But don’t start big repairs until the claim is approved and your insurance gives you the green light.
Temporary fixes to stop more damage are okay, and often required, but permanent repairs should wait until your claim is settled.
Step 7: Pick the Right Roofing Contractor
Not all roofers know how to handle insurance work. Choose a licensed local company, like Homer Roofing, that:
- Has worked with Utah roof insurance claims before
- Knows Logan roofing rules and weather
- Offers free inspections and fair pricing
- Uses top materials and offers strong warranties
A local expert will also make sure your repairs meet Utah’s tough building codes, and that you’re fully protected for the next storm.
Step 8: Watch the Payout Process
Once your claim is approved, your insurance company usually sends two checks:
- ACV Check: Covers the value of your roof right now.
- RCV Check: Sent after repairs are done and verified, covering the rest.
Keep track of everything: paperwork, calls, receipts. If something feels off or the claim seems low, speak up, or reach out to the Utah Insurance Department for help.
Be Ready and Stay Protected
Storms happen, but if you’re prepared, dealing with Logan roof storm damage doesn’t have to be a nightmare. Know your rights, keep good records, and work with a local roofer who knows how to handle Utah roof insurance claims the right way.
At Homer Roofing, we’re here to make the whole process easier. From free inspections to helping you with insurance paperwork, we’re on your side from start to finish.
Ready to Get Started?
If your roof was damaged in a storm, don’t wait until it gets worse. Schedule a free roof inspection with Homer Roofing today. We’ll help you understand your damage, guide you through your claim, and make sure your home is protected from the next big storm.
Call now or fill out our online form to get started.
