Helping You Navigate Roofing Insurance Claims with Confidence
Filing a roofing insurance claim can be overwhelming—especially after storm damage. At Kannapolis Roofworx, we’re here to make the process easier. While we are not public adjusters, we work closely with trusted roofing professionals who can assist you with roof inspections, damage documentation, and insurance claim coordination.
Important Notice: Kannapolis Roofworx is not licensed to act as a public insurance adjuster. We do not negotiate or settle insurance claims. Our role is to connect you with qualified contractors who can assess roof damage and work alongside your insurance adjuster to ensure all necessary repairs are identified.
Step 1: Schedule a Professional Roof Inspection
Before filing a claim, it’s important to confirm the extent of the damage and whether it qualifies under your insurance policy.
Book a free inspection with a trusted roofing contractor, who will:
- Conduct a detailed evaluation for wind, hail, and storm-related damage
- Document missing shingles, leaks, or structural concerns
- Provide a comprehensive inspection report to support your insurance claim
Call us or submit our online form to be connected with a qualified contractor.
Step 2: Submit Your Insurance Claim
Once roof damage is confirmed, the next step is to initiate a claim with your insurance company.
Here’s what you’ll need:
- The date and time of the storm or event
- Your insurance policy number
- Any photos or documentation provided by your roofing contractor
Once your claim is submitted, the insurance provider will assign a claim number, which you’ll use throughout the process.
Step 3: Coordinate with the Insurance Adjuster
Your insurance company will assign an adjuster to inspect your roof. It’s essential to have your roofing contractor present during this visit.
Why should your contractor be there?
- To ensure all storm-related damage is accurately noted
- To confirm that repairs align with local building codes
- To avoid missed items or underestimated repair scopes
Reminder: Roofing contractors can discuss the scope of damage but cannot negotiate or settle claims on your behalf.
Step 4: Review the Insurance Estimate
After the adjuster completes their evaluation, you’ll receive a Scope of Work detailing what the insurance company has approved.
What to do next:
- Share the documentation with your roofing contractor
- Have them review the estimate to verify that all necessary repairs are included
- If items are missing, the contractor may assist in requesting supplemental coverage
This review typically happens within 7–10 days after the adjuster’s inspection.
Step 5: Roof Replacement & Insurance Payment
Most insurance claims are paid out in two stages:
First Payment – Actual Cash Value (ACV)
You’ll receive the ACV amount, which covers the depreciated value of your roof. This initial payment allows the contractor to begin work.
Roofing Work Begins
Your roofing contractor will schedule the project. You’re responsible for your deductible, as outlined in your insurance policy.
Second Payment – Recoverable Depreciation
If your policy includes recoverable depreciation, the remaining amount is paid after the project is completed and a final invoice is submitted.
Why Work with Contractors We Recommend?
When you work with our trusted network of roofing professionals, you benefit from:
Free Inspections –
Clear, thorough assessments of storm-related damage
Insurance Guidance –
Help interpreting insurance estimates and scope of work
Licensed & Insured Pros –
Work completed to local building codes and safety standards
Adjuster Coordination –
Contractors attend inspections to ensure all damage is properly recorded
Exceptional Craftsmanship –
Roof replacements built to last, using top-grade materials
Frequently Asked Questions
How do I know if I qualify for an insurance claim?
If your roof shows signs of hail damage, wind damage, or leaks after a storm, you may be eligible. A contractor can inspect and provide documentation to support your claim.
Will my insurance premiums go up?
Most providers don’t raise rates for weather-related claims. However, it’s best to consult your specific insurer for clarity.
How long does the claim process take?
On average, 2 to 4 weeks. This varies depending on your provider and how quickly inspections and approvals happen.
Do I need multiple estimates?
Usually not. Insurance companies base payments on their adjuster’s evaluation. If the estimate is low, your contractor can help request additional coverage.
What if my claim is denied?
You can request a reinspection. A contractor can provide more documentation to support your case and push for reconsideration.
Start Your Roofing Insurance Claim Process Today
Don’t wait for the damage to get worse—if your roof has been affected by a storm, your insurance may cover the repairs or full replacement.
Call (980) 324-3642 to schedule a free inspection with a qualified contractor.
Email us at kannapolisroofworx.info@gmail.com to get started.
Note: Kannapolis Roofworx is not a public adjuster. We do not negotiate insurance claims. Our role is to connect you with experienced roofing professionals who can assist with assessments and repairs.
