If you’ve noticed roof damage after a storm in Wilmington NC, your first instinct might be to call your insurance company—but that’s not the best first step.
The smartest move is to call a professional roofing contractor first.
Why? Because a roofing expert can properly inspect the damage, document everything, and help you avoid costly mistakes during the insurance claim process.
Here’s exactly how to file a roof insurance claim the right way.
Step 1: Call a Roofing Contractor for a Professional Inspection
Before contacting your insurance company, schedule a roof inspection with a trusted local contractor.
A professional roofer will:
- Identify storm damage you might miss
- Determine if a claim is necessary
- Provide detailed documentation
- Prevent underreporting of damage
⚠️ Skipping this step can result in denied or underpaid claims.
Step 2: File Insurance Claim
Now that you have documentation:
- Contact your insurance company
- Report the storm damage
- Provide the date of the storm
- Submit your inspection details if requested
Your insurer will then assign an adjuster.
Step 3 Have Your Contractor Meet the Insurance Adjuster
When the adjuster comes out:
- Have your roofing contractor present
- Walk through all damage together
- Ensure nothing is missed
👉 This step is critical for getting a fair and accurate claim payout.
Step 4: Review the Insurance Estimate
Once your claim is processed, you’ll receive:
- Scope of work
- Payment breakdown
- Deductible information
Make sure:
- All damage is included
- Pricing reflects real repair costs
Your contractor can help review and request supplements if needed.
Step 5: Complete Roof Repairs or Replacement
After approval:
- Schedule your roofing work
- Use a licensed, local contractor
- Ensure proper installation for long-term protection
⚠️ Common Mistakes to Avoid
- Calling insurance before a roof inspection
- Missing hidden damage
- Letting adjusters inspect alone
- Choosing low-quality contractors
- Waiting too long after storm damage
Why Choose RGR Construction and Roofing, LLC
- Local Wilmington roofing experts
- Storm damage specialists
- Insurance claim assistance
- High-quality repairs and replacements
- Built for coastal conditions
Think You Have Roof Damage? Start With a Free Inspection
Call RGR Construction and Roofing, LLC at (910) 408-6026 today.