Storm Damage and Insurance Claims in North Carolina

First, protect the house

If water is coming in, move belongings, catch drips and, once it is safe, arrange temporary protection such as a tarp. Keep receipts. Most homeowner policies expect reasonable steps to prevent further damage.

Document everything

• Note the date and time of the storm. National Weather Service Raleigh storm reports and warnings can help confirm it (National Weather Service Raleigh (forecast office for the Triad)).
• Take photos of the roof from the ground, gutters, vents, yard debris and interior damage.
• Write down what you see while it is fresh.

Read your policy

Policies differ on deductibles, wind and hail coverage, and how roof age affects payment. Knowing the terms before an adjuster visits makes the conversation easier. The NC Department of Insurance publishes consumer guides for homeowners and can help with questions about claims (NC Department of Insurance, consumer resources).

Getting the roof inspected

An inspection with photos and a written scope gives you something concrete to compare with the adjuster's findings. See roof inspections.

Be careful with door-to-door offers

After big storms, door-to-door roofing offers increase. The NC Department of Justice publishes consumer-protection advice on home repair, including caution about large upfront payments and pressure to sign quickly (North Carolina Department of Justice, consumer protection). Check licenses with the North Carolina Licensing Board for General Contractors (North Carolina Licensing Board for General Contractors).

Be wary of anyone who offers to cover your deductible or says they can guarantee a claim outcome. Decisions about your claim are between you and your insurer.

Comparing the scope

Insurance scopes and contractor estimates use different formats. Line them up: same area, same materials, same flashing and vent work. Ask questions where they differ. The estimate factors page explains the line items.

Keeping records

Keep the claim number, adjuster contact, photos, estimates, contracts and receipts together. They help if questions come up later.

Related pages: storm, wind & hail damage, roof inspections, roof repair, and what shapes an estimate.

Sources: NC Department of Insurance, consumer resources; North Carolina Department of Justice, consumer protection; North Carolina Licensing Board for General Contractors; National Weather Service Raleigh (forecast office for the Triad).