Got Storm Damage?
Insurance Claims Don’t Have to Be Confusing.
Clear, No-Pressure Guidance for Greensboro & Piedmont Triad Homeowners
After hail or wind, most homeowners aren’t sure what to do first — or how to avoid mistakes that lead to delays or denials. This page explains how the storm damage insurance process actually works, what carriers look for, and how we help homeowners document everything correctly from day one.
Call or text our local team: 336-444-6191
What Homeowners Actually Go Through After a Storm
Most storm damage claims don’t fail because damage doesn’t exist — they fail because it isn’t documented clearly, correctly, or in the right order. Hail and wind damage often doesn’t leak right away, which leads homeowners to underestimate the situation.
Insurance carriers look for functional damage, not cosmetic wear. That means impact marks, fractured shingle mats, displaced granules, lifted seals, creased tabs, and wind-related fastening issues — not just missing shingles.
This is why documentation timing matters. Waiting too long, repairing before inspection, or filing without evidence can all complicate approval.
How the Storm Damage Insurance Process Works
- Storm Verification – Confirming hail or wind activity tied to your address.
- Inspection & Documentation – Photos, measurements, slope analysis, and damage patterns.
- Claim Filing – Submitting accurate dates, cause of loss, and scope.
- Adjuster Meeting – On-site review with documentation aligned.
- Scope Approval – Determining what the policy covers.
- Replacement or Upgrade Planning – Scheduling, materials, and options.
North Carolina policies require homeowners to pay their deductible. Coverage depends on policy terms, storm verification, and inspection findings.
Why Storm Claims Get Delayed or Denied
- Damage attributed to age or wear instead of storm impact
- No verified storm date tied to the address
- Incomplete or unclear documentation
- Repairs made before inspection
- Multiple storms without attribution clarity
Our role is to help homeowners understand what carriers evaluate — not to pressure any outcome. Clear documentation creates clarity, regardless of the result.
Using Insurance Proceeds for Long-Term Roof Upgrades
Many homeowners apply insurance proceeds toward upgraded roofing systems — including impact-resistant shingles or metal roofing — and finance the difference. This approach allows homeowners to improve durability and reduce future storm exposure.
Financing is optional and used for:
- Deductibles
- Material upgrades
- Ventilation improvements
- Extended warranties
Explore options here:
Roof Financing Options
Storm Damage Roofing FAQs
Should I call insurance or a roofer first?
Many homeowners document roof conditions first so the claim starts with verified information.
Can my claim be denied even if hail occurred?
Yes. Approval depends on functional damage and documentation, not just storm presence.
How long does approval take?
Timelines vary by carrier, storm volume, and documentation clarity.
Do I have to use the insurer’s contractor?
Homeowners may choose their own licensed contractor.
Can I upgrade my roof after approval?
Yes. Insurance proceeds can be applied toward upgrades with homeowner approval.
Get Clear Answers — Before You File
Run StormTrace™Call or text 336-444-6191 for guidance
