What should be on a roof damage insurance claim checklist?
Short answer. A roof damage claim checklist covers the whole claim: document the damage and storm date, protect the home from more damage, file and get a claim number, prepare for the adjuster inspection, then review the estimate, complete repairs, and submit for any held-back depreciation. Keeping copies of everything in one place makes each step easier.
1. Right after the storm
- Write down the storm date and time; save weather alerts or local hail reports.
- Photograph damage from the ground: shingles in the yard, dented gutters, torn screens.
- Check ceilings and the attic for leaks.
2. Protect the property
- Tarp openings or have a roofer secure the roof, and keep the receipts.
- Move belongings away from leaks.
3. Filing
- Have a roofer inspect and photograph the roof.
- File with your insurer and record the claim number and the adjuster's contact information.
- Find your policy, declarations page, and deductible.
4. Inspection
- Schedule the adjuster and ask your roofer to attend.
- Have your photos and roof age records ready.
5. Estimate and repairs
- Compare the estimate with your roofer's scope; request supplements or a reinspection if needed.
- Coordinate the check with your mortgage company if it is named.
- Sign a contract and read the cancellation terms.
- Pay your deductible; no contractor can waive it in Georgia.
6. Close out
- Submit the final invoice for recoverable depreciation before the deadline.
- Keep all documents and warranty papers together.
Related: after a hail storm checklist, preparing for the adjuster, and how to file a roof insurance claim.