If you’ve ever dealt with storm damage in the Midwest, you know the stress it brings. One day your roof looks fine, and the next — after a night of hail, high winds, or heavy rain — you’re seeing missing shingles, water spots, or debris in the yard.
Then comes the big question:
“Will my homeowner’s insurance cover this?”
The short answer? Usually, yes — if the damage was caused by a covered event like hail, wind, or falling debris. The key is knowing how to handle the claim process the right way. At Premium Roofing Solutions, we’ve helped hundreds of homeowners navigate roofing claims easily and confidently. Here’s how it works.
1. Start with a Professional Roof Inspection
Before you call your insurance company, it’s smart to get a professional roof inspection. Many types of storm damage aren’t visible from the ground — small cracks, bruised shingles, or lifted flashing can all lead to long-term leaks.
Our team at Premium Roofing Solutions provides detailed inspections with photos and documentation you can submit directly to your insurance company. That way, when you file your claim, you already have clear evidence of the damage — not just a verbal report.
We help you understand what’s repairable versus what might require a full replacement, so you can make an informed decision before the claim even begins.
2. Filing the Claim (Without the Headache)
Once you have your inspection report, it’s time to file your claim with your insurance provider. Most carriers allow you to do this online or by phone.
You’ll need:
- Your policy number
- The date of the storm or event
- A brief description of the damage
- The inspection report and photos
From there, your insurance company will assign an adjuster to review your case. Don’t worry — we’ll help guide you through this part too.
3. Meeting the Insurance Adjuster
The adjuster’s job is to verify the damage and estimate repair or replacement costs. This is where having Premium Roofing Solutions on-site really helps.
We can meet with the adjuster, point out the full scope of damage, and ensure nothing is overlooked. Adjusters appreciate working with experienced roofers who know local codes, manufacturer standards, and true material costs.
Our role is simple: make sure you get the coverage you deserve — not the bare minimum.
4. Understanding What’s Covered (and What’s Not)
Homeowner’s insurance typically covers sudden, accidental damage from storms, wind, hail, or debris. It does not usually cover wear and tear from age or neglect.
If the adjuster approves your claim, you’ll receive a breakdown of:
- Replacement cost value (RCV): the full amount to replace your roof.
- Actual cash value (ACV): RCV minus depreciation.
- Deductible: the portion you’re responsible for paying.
We’ll walk you through this paperwork line by line, making sure you fully understand what you’re getting and what to expect next.
5. Completing the Work and Closing the Claim
Once your claim is approved, we handle the rest. You’ll get a clear, written proposal matching your approved scope of work, and our crew gets to work promptly — no delays, no confusion.
After installation, we provide all the final documentation your insurance company needs to close the claim and release any remaining funds. You’ll be left with a beautiful, storm-resistant roof — and peace of mind knowing it’s all handled professionally.
Conclusion
Dealing with roof damage after a storm doesn’t have to be stressful. With the right roofing partner, the process can actually be straightforward and empowering.
At Premium Roofing Solutions, we help Midwest homeowners through every step — from inspection to insurance claim to full restoration. You don’t have to navigate it alone; we’ve got your back, every shingle of the way.