Everything You Need to Know to Get the Coverage You Deserve
Dealing with roof damage after a storm is stressful enough—but navigating the insurance claims process? That can feel overwhelming, especially if it’s your first time.
At Watertight Roofing, we’ve helped hundreds of homeowners across Nebraska and Iowa successfully file claims, get fair coverage, and restore their roofs without added headaches. If your roof has been hit by hail, wind, or debris, this checklist will walk you through what to do, when to do it, and how to make the process smoother.
✅ Step 1: Check for Signs of Damage ASAP
After a storm passes, do a quick walkaround of your property:
- Look for missing or curled shingles
- Check gutters and siding for dents or granule buildup
- Watch for water stains on your ceilings or attic
- Look for fallen branches or debris on the roof
💡 Pro Tip: Damage isn’t always visible from the ground—just because you don’t see it doesn’t mean it’s not there.
✅ Step 2: Document Everything
Take photos of:
- Roof damage
- Fallen trees or branches
- Water stains inside your home
- Hail or debris on the ground
- Any visible damage to gutters, windows, or siding
The more documentation you have, the stronger your insurance claim will be.
✅ Step 3: Schedule a Professional Roof Inspection
Call a local, trusted roofing company (like us!) to perform a free, no-contact roof inspection. We’ll check your roof thoroughly, take detailed photos, and give you a written assessment of the damage.
This documentation is key when you file a claim—and having a roofer who knows what adjusters are looking for can make a big difference.
✅ Step 4: Review Your Homeowners Insurance Policy
Check your policy for:
- Wind and hail coverage
- Deductible amounts
- Deadlines for reporting damage (many policies limit you to 6–12 months after the storm)
If you’re not sure what’s covered, we can help you break it down.
✅ Step 5: File the Claim
Once you’ve gathered your inspection report and photos, contact your insurance company to start the claims process. Be ready to provide:
- The date of the storm
- A description of the damage
- Any documentation or inspection results
✅ Step 6: Have Your Roofer Meet the Adjuster
This is a big one. If you work with us, we’ll meet your adjuster on-site to make sure nothing gets overlooked. We’ll walk the roof with them, point out damage they may miss, and advocate for the coverage you deserve.
✅ Step 7: Review Your Settlement & Get to Work
Once your insurance provider approves the claim, we’ll:
- Review the settlement with you
- Confirm it covers all necessary repairs or replacement
- Schedule the work using high-quality materials and expert crews
We’ll even handle any supplemental claims if the adjuster missed something in the original inspection.
🏡 Need Help With Your Claim? We’ve Got You Covered.
You don’t have to figure this out alone. At Watertight Roofing, we offer:
✅ Free storm damage inspections
✅ Detailed documentation and estimates
✅ Insurance assistance from start to finish
✅ High-quality repairs and full roof replacements
📞 Call us at 402-870-0255 or book your free inspection here
We’re here to protect your home—and make the claims process as smooth as possible.
Done Right. Done Tight.