Has your roof taken a hit from the latest Phoenix storm? If you’re wondering how to file a roof insurance claim without the headache of delays and denials, you’re not alone. Many homeowners are unsure of what their insurance covers, how to document damage, and who to trust for repairs.
In fact, roof damage accounts for the majority of hail-related insurance claims, with the average homeowner claim totaling nearly $12,000. Recent years have seen insurance premiums skyrocket across Arizona—increasing by 62% since 2019, the highest rate in the nation. Many residents don’t realize that Phoenix experienced the costliest hail day in U.S. history in 2010, resulting in $2.7 billion in damages. Understanding what your policy covers, how to properly document storm damage with photos and professional assessments, and what steps to take when filing a claim can make all the difference in getting your home back in shape with minimal out-of-pocket expense.
At TSM Roofing, we’ve helped countless homeowners navigate the insurance claim process. We’ve seen it all—claims that get approved quickly and others that face frustrating setbacks. Knowing what to do after storm damage can make all the difference in ensuring your roof is repaired properly and that you receive the coverage you deserve.
Follow these five essential tips to streamline your claim and avoid common pitfalls.
1. Assess the Damage Immediately
After a storm, your first step should be to check for visible roof damage. Even if everything looks fine from the ground, there could be underlying issues that may cause bigger problems over time.
Signs Your Roof May Have Storm Damage
- Missing or lifted shingles – Wind can rip shingles off or loosen them, making your roof vulnerable to leaks.
- Granule loss – If you find shingle granules in your gutters, your roof’s protective layer may be compromised.
- Dents or cracks on flashing, vents, or skylights – These components protect weak points on your roof, and any damage can lead to leaks.
- Water stains on ceilings or walls – Discoloration inside your home can indicate a leak caused by roof damage.
- Debris accumulation – Large branches or other debris on your roof can cause structural damage.
If you notice any of these warning signs, take photos immediately and prepare to schedule an inspection.
2. Schedule a Professional Roof Inspection
Before you contact your insurance company, it’s important to schedule a thorough roof inspection with a qualified roofing contractor. While insurance adjusters will eventually evaluate the damage, they represent the insurance provider — not the homeowner. Having an independent inspection ensures that no damage is overlooked and that you have a solid foundation of evidence for your claim.
A trusted roofing professional will know exactly what to look for after a storm, including less visible signs of damage that could be missed by the untrained eye. They can also provide a detailed inspection report, complete with photos, that can strengthen your case when dealing with your insurance provider. This step is especially crucial if you suspect that minor-looking issues may lead to more serious problems later on.
How to Prepare for a Roof Inspection
- Take notes on when the storm occurred and any damage you noticed.
- Make sure your contractor is experienced in handling insurance claims.
- Ask for a detailed inspection report with photos.
At TSM Roofing, we know exactly what insurance companies look for. Learn more about our roofing services designed to support you through inspections and storm-related repairs. We conduct thorough inspections, document all damage, and provide homeowners with the necessary information to file a strong claim.
3. Document Everything for Your Claim
Insurance companies require proof before they approve a claim, and the more documentation you have, the better your chances of success.
What to Include in Your Documentation
- Photos and videos – Capture all visible damage from multiple angles.
- Date and time of the storm – Insurance providers will cross-check weather reports to verify storm-related damage.
- Temporary repair receipts – If you need to tarp your roof or make quick fixes, keep receipts for reimbursement.
- A copy of your homeowners insurance policy – This helps clarify what is covered under your plan.
If you have before-and-after photos of your roof, they can serve as extra evidence to prove the storm caused the damage.
4. Contact Your Insurance Company and File the Claim
Once you have a professional inspection and all necessary documentation, it’s time to file your roof insurance claim in Phoenix. The sooner you file, the faster the process moves.
Tips for Filing a Roof Insurance Claim
- Be honest and thorough when describing the damage.
- Request a copy of the insurance adjuster’s report for your records.
- Keep track of all communication with your insurance company.
- Ask about your deductible so you know what to expect.
Your provider will send an adjuster to assess the damage. However, their evaluation may not always be in your best interest. If they underestimate the damage, you have the right to request a reinspection or provide a contractor’s assessment for a second opinion.
5. Choose a Reliable Roofing Contractor for Repairs
Once your claim is approved, choosing the right roofing contractor is just as important as the claim process itself. Some homeowners make the mistake of hiring the cheapest option, only to deal with poor workmanship, subpar materials, or even contractors who disappear before finishing the job.
How to Choose the Right Roofing Contractor
- Experience handling insurance claims – A knowledgeable contractor can help you get the most from your coverage.
- Local reputation and reviews – Avoid storm chasers who set up shop after a big storm and leave town once the work dries up.
- Quality materials and warranties – Ask about the materials being used and what warranties are included.
TSM Roofing specializes in storm damage repairs and insurance claim assistance. We work directly with homeowners to ensure the job is done right, using premium materials built to withstand Arizona’s extreme weather conditions.
What If Your Roof Insurance Claim Is Denied?
Not all claims get approved on the first try, but that doesn’t mean you’re out of options.
Steps to Take If Your Claim Is Denied
- Request a reinspection – Sometimes, insurance adjusters miss damage that a second look can confirm.
- Hire an independent roof inspector – An unbiased assessment can provide additional evidence.
- Appeal the decision – If you believe your claim was unfairly denied, you can challenge it with more documentation.
- Work with a contractor who understands the claims process – A knowledgeable roofer can help negotiate with the insurance company on your behalf.
If you’re struggling with a denied claim, TSM Roofing can help guide you through the appeals process and ensure you get the coverage you’re entitled to.
Don’t Wait – Schedule a Roof Inspection Today
Storm damage can worsen quickly, and waiting too long may affect your insurance coverage. Don’t risk missing your window to file a claim—schedule your professional roof inspection with TSM Roofing today. Our team will guide you through every step, making the process smooth and stress-free. If upfront costs are a concern, we also offer financing options to help make the process even easier.
Call us at (623) 213-8267 or email info@tsmroofs.com to get started. We’re here to help you protect your home and get the coverage you deserve.
