When storm season rolls through the Ozarks, it’s not uncommon for homeowners to discover shingles in the yard, water stains on the ceiling, or damage from falling branches. In these moments, it’s tempting to call your insurance company right away—but before you do, there are a few important things to understand about roof insurance claims.
At Dale’s Roofing, we’ve helped countless homeowners navigate this process, and we know that being informed ahead of time can save you stress, time, and even money.
1. Not Every Roof Issue is a Roof Insurance Claim
Insurance is designed to cover sudden and accidental damage—like hail, wind, or falling debris.
It doesn’t usually cover normal wear and tear, age-related issues, or maintenance problems. Shingles at the end of their life or leaks from neglected gutters are usually considered homeowner maintenance.
Filing a claim for these types of issues could not only result in a denied claim but also leave a mark on your insurance history that may affect future rates.
2. Get a Professional Inspection First
Before contacting your insurance company, it’s wise to have a trusted roofing professional inspect your roof.
At Dale’s Roofing, we’ll look for storm damage and give you an honest assessment of your roof’s condition.
This step matters because filing a claim when the damage is minimal—or worse, when no damage exists—can complicate your relationship with your insurance company. A professional inspection ensures you’re making the right move.
3. Documentation is Your Best Friend
Insurance adjusters will want proof. Photos, written reports, and even past inspection records make a big difference. That’s one of the perks of our DRI Maintenance Club—we keep detailed records of every inspection, so when you need documentation for insurance, it’s already on file.
That means you won’t be scrambling to dig up photos or wonder when your roof was last inspected.
Here are a few things you should keep on hand:
- Clear photos of any visible damage right after the storm.
- Inspection reports from a qualified roofer (like Dale’s).
- Past maintenance records to show your roof was properly cared for.
- Dates of major storms in your area (local news or weather reports can help).
- Notes of conversations with your insurance company and adjuster.
This kind of documentation not only strengthens your claim, but also makes the process smoother and faster.
4. Be Wary of Storm Chasers
After big storms, you may notice out-of-town contractors knocking on doors, offering “free inspections” and promising quick insurance claims.
Unfortunately, many of these “storm chasers” leave town as quickly as they arrive—sometimes after inventing damage, sometimes after taking down payments without completing the work. Some even cut corners, leaving behind shoddy work that creates bigger problems later.
Always choose a local, established contractor you can come to—not one who comes to you.
5. Workmanship and Insurance Guarantee
As an Owens Corning Platinum Preferred Contractor, Dale’s Roofing offers the peace of mind of both a workmanship warranty and the backing of a nationally trusted brand.
That means when your insurance approves a repair or replacement, you’re getting work that’s guaranteed to last.
A roof is a major investment in your home, and the combination of quality materials, expert installation, and strong warranties ensures you won’t be left wondering if the job was done right.
Final Thought: Know Before You File
Filing a roof insurance claim doesn’t have to be stressful. By starting with a professional inspection, keeping good records, and working with a local contractor you trust, you’ll be prepared to handle the process with confidence.
If you think your roof may have storm damage, call Dale’s Roofing first. We’ll give you an honest, no-pressure inspection and help guide you through the insurance process if a claim is truly necessary.
