How to File a Roof Insurance Claim After a Storm in Wake County
How to File a Roof Insurance Claim After a Storm in Wake County
If your home has sustained damage after a recent storm, understanding how to file a roof insurance claim in Wake County can help you recover faster and avoid costly mistakes. The process of working with your insurance provider can be complex, especially during peak storm seasons when hundreds of claims are being filed across North Carolina.
At United Contracting, LLC, we are a locally trusted general contractor serving homeowners throughout Wake County and surrounding areas. Our team specializes in storm restoration, roof replacement, and insurance claim support. This guide will walk you through everything you need to know to file a successful roof insurance claim and get your home back to its pre-storm condition quickly and efficiently.
Understanding Roof Damage Caused by Storms
North Carolina is no stranger to heavy storms, particularly during spring and hurricane season. High winds, large hail, and heavy rain can wreak havoc on roofing systems, even if the damage is not immediately visible.
Common signs of storm-related roof damage include:
- Missing, curled, or lifted shingles
- Dents or cracks from hail impact
- Water spots on ceilings or in the attic
- Loose or missing flashing and ridge caps
- Damaged or overflowing gutters
- Tree limbs or debris resting on the roof
Some damage may appear cosmetic at first but can worsen over time, leading to leaks, structural issues, and costly repairs if not addressed promptly. That is why insurance companies typically require homeowners to act quickly after a storm.
Step-by-Step Guide to Filing a Roof Insurance Claim in Wake County
Filing a roof insurance claim in Wake County involves several critical steps. Taking action quickly and following the correct procedures will increase your chances of receiving the compensation you are entitled to.
1. Schedule a Professional Roof Inspection Immediately
After a storm, the first and most important step is to schedule a professional roof inspection with a licensed and experienced contractor. Do not attempt to inspect the roof yourself, especially if it appears damaged. Walking on a compromised roof is unsafe and may cause additional harm to the structure.
At United Contracting, we offer free, no-obligation storm damage inspections for homeowners across Wake, Durham, Franklin, and nearby counties. Our team knows exactly what to look for, and we provide detailed photo documentation to support your insurance claim.
2. Document All Visible Damage
In addition to the professional inspection, take photos and videos of any visible damage to your property. This includes roofing, siding, gutters, and any interior damage caused by water intrusion. Be sure to note the date of the storm and save any relevant news alerts or radar screenshots if available. These can help prove that your home was impacted by a weather event.
3. Review Your Homeowner’s Insurance Policy
Before you file your claim, review your insurance policy to understand your coverage. Pay attention to the following details:
- Your deductible amount
- Exclusions related to age or maintenance
- Whether the policy covers full roof replacement or only repairs
- Time limits for filing storm-related claims
If you are unsure about the specifics, our team at United Contracting can help interpret your policy and explain what is typically covered based on our experience working with local carriers.
4. File the Insurance Claim Promptly
Once you have documentation and a contractor’s inspection report, you can proceed with filing your roof insurance claim. Most providers allow you to file online or by phone. You will need to provide:
- Your policy number
- Date and time of the storm
- Description of the damage
- Contractor’s inspection report and photos
Be prepared for the insurance adjuster to contact you within a few days to schedule an on-site visit.
5. Meet with the Insurance Adjuster
When the adjuster arrives, it is crucial to have your contractor present. At United Contracting, we meet with adjusters on-site to ensure all damage is accurately identified and properly documented. This often results in faster approvals and more complete coverage.
6. Review the Estimate and Start Repairs
Once your claim is approved, the insurance company will issue a scope of work and initial payment based on their assessment. Your contractor should compare this estimate to their own, ensuring no line items are missing. If there are discrepancies or damage overlooked, your contractor can submit a supplemental claim.
We manage the entire process for you and begin work promptly to minimize disruption to your life.
Common Mistakes Homeowners Make During the Claim Process
Navigating the insurance process can be overwhelming, especially when you are dealing with property damage. Here are a few common mistakes homeowners should avoid:
- Waiting too long to file a claim, which may lead to denial due to missed deadlines
- Allowing the insurance adjuster to inspect the property alone without contractor oversight
- Accepting the first estimate without reviewing it with a licensed contractor
- Hiring out-of-town contractors who disappear after the job is paid
- Failing to obtain written documentation and photos from the contractor
United Contracting helps eliminate these issues by guiding you from start to finish, ensuring your best interests are represented every step of the way.
Why Homeowners in Wake County Trust United Contracting
United Contracting is a family-owned and operated business based near Louisburg, North Carolina. We proudly serve residential and commercial property owners throughout Wake, Durham, Harnett, Orange, Nash, Franklin, and Johnston counties.
Here is what sets us apart:
- Free, detailed storm damage inspections
- Insurance claim guidance and paperwork assistance
- On-site adjuster support and damage documentation
- Full-service roof repairs and replacements
- Locally based with a commitment to long-term relationships
We specialize in roofing, siding, and gutters — with a strong focus on storm restoration and insurance-backed repairs. Our team is trained to work with all major insurance providers and advocate for homeowners to receive fair compensation for their losses.
Frequently Asked Questions About Roof Insurance Claims in Wake County
How long do I have to file a roof insurance claim in North Carolina?
Most homeowners insurance policies require you to file a claim within one year of the storm event. However, filing within the first 30 to 60 days is strongly recommended to ensure smoother processing and better results.
Will filing a roof insurance claim raise my premium?
Not always. Claims due to natural disasters or acts of God — such as hailstorms or hurricanes — typically do not raise your individual rates. However, premiums may change regionally based on the number of claims in your area.
Do I need multiple estimates to submit a claim?
No. Your insurance company will create its own estimate based on the adjuster’s report. It is more important to choose a reputable contractor who can review that estimate for accuracy and submit supplements when necessary.
What happens if my claim is denied?
If your roof insurance claim is denied, do not give up. United Contracting can request a re-inspection, provide additional documentation, and guide you through the appeal process. Our next blog post will explore this topic in depth.
Can I choose my own contractor?
Yes. North Carolina law allows you to hire any licensed contractor of your choice. Do not let your insurance company pressure you into using their preferred vendors. Working with a local expert like United Contracting ensures accountability and better quality control.
Schedule Your Free Roof Inspection Today
If your home has suffered roof damage from a storm, do not wait to take action. Insurance companies expect prompt notification and clear documentation. United Contracting offers fast, professional inspections at no cost, and we manage the entire claims process on your behalf.
Our service area includes Wake County and nearby communities including Durham, Franklin, Harnett, and more. Contact us today for a free consultation.
Phone: (984) 363-7670
Email: kyle.h@unitedcontracting.llc
Business Hours: Monday to Friday 9 AM – 6 PM, Saturday 10 AM – 6 PM
