When storms roll in, one of the most vulnerable parts of your home is the roof. High winds and hail can cause significant damage—some obvious, some not so easy to detect. Knowing how to handle insurance claims related to roof damage can make a big difference in how quickly and fully you’re compensated. Here’s what every homeowner should know.

Common Signs of Roof Damage After a Storm

Even if your roof looks intact from the ground, damage could still be present. Here are some signs to look for:

• Missing or lifted shingles due to high winds

• Bruised or cracked shingles from hail impacts

• Granule loss that exposes the underlying mat

• Dents on vents, gutters, or flashing

• Leaks or water stains on ceilings or in the attic

After any major storm, it’s a good idea to have a professional inspect your roof, even if there’s no visible damage.

Step-by-Step Insurance Claim Tips

1. Document the Damage Immediately

Take clear photos or videos of your roof and any interior damage caused by leaks. This evidence is crucial when filing your insurance claim.

2. Review Your Insurance Policy

Understand what your policy covers. Some policies differentiate between cosmetic and functional damage, and there may be special provisions for wind or hail damage.

3. File the Claim Promptly

Most policies require you to file a claim within a specific time frame after the damage occurs. Don’t delay—waiting could jeopardize your ability to get compensated.

4. Get an Independent Inspection

Insurance company adjusters may not always catch the full extent of the damage. Hiring a public adjuster or an independent roofing contractor can ensure a more accurate assessment.

5. Don’t Sign Anything Too Quickly

Some roofing companies may pressure you to sign contracts immediately. Take your time to get multiple estimates and consult your public adjuster before agreeing to any repairs.

Why Work with a Public Adjuster?

A public adjuster works on your behalf—not the insurance company’s. They:

• Evaluate your damage independently

• Help you understand the fine print of your policy

• Advocate for a fair and full settlement

• Handle negotiations so you don’t have to

If you’re unsure whether the offer from your insurer is fair or feel overwhelmed by the claims process, a public adjuster can be a valuable ally.

Final Thoughts

Dealing with roof damage after a wind or hailstorm can be stressful—but being prepared makes it easier. Document thoroughly, act quickly, and don’t be afraid to seek help from professionals who have your best interests in mind. The goal is to restore your home—and your peace of mind—as quickly and fairly as possible.

Reliable Claims Adjusting provides you get the maximum insurance payment that you deserve.  For more information, go to our web site https://www.reliableclaimsadjusting.com

or call (727) 370-1119.

When disaster strikes—whether it’s a fire, storm, water damage, or theft—the last thing property owners want is to fight with their insurance company over a claim. Unfortunately, insurance companies don’t always make it easy to get the full compensation you deserve. That’s where a public adjuster comes in.

Public adjusters are licensed professionals who work for you, not the insurance company. Their job is to represent your interests and help you get the maximum payout for your insurance claim. Here’s how public adjusters negotiate better settlements—and why hiring one could be a smart move.

1. They Understand Policy Language

Insurance policies are full of complex terms, exclusions, and fine print. A public adjuster knows how to interpret this language to your advantage. They identify what’s truly covered under your policy—even the parts the insurance company may “overlook.”

By thoroughly reviewing your policy, a public adjuster ensures that no covered damage is left out of the claim. This often results in a more complete and higher settlement than if the claim were handled alone.

2. They Conduct a Detailed Damage Assessment

Insurance company adjusters might offer a quick estimate, but public adjusters take the time to do a full inspection. They document all visible and hidden damage, often bringing in contractors, engineers, or estimators to back up their findings.

This evidence-based approach gives them a strong position to challenge any lowball offer and make a compelling case for a higher payout.

3. They Know How to Negotiate

Public adjusters are skilled negotiators who understand how insurance companies operate. They know how to push back on unjustified claim reductions and delays. They speak the same language as insurance companies—and use that knowledge to counter low offers with facts, documentation, and policy terms.

More importantly, they level the playing field for property owners who may not have the time, expertise, or energy to battle a large insurance company alone.

4. They Maximize Every Aspect of Your Claim

From structural repairs and temporary living expenses to damaged personal items and business interruption losses, public adjusters make sure every possible category of loss is included. Many policyholders leave money on the table simply because they didn’t know what they were entitled to.

Public adjusters don’t just aim for a quick fix—they go after every dollar that’s rightfully yours.

5. They Work on a Contingency Basis

Most public adjusters only get paid if you do, usually as a percentage of your final settlement. That means they are motivated to get you the highest possible amount.

Plus, studies have shown that claims handled by public adjusters often result in significantly higher payouts than those managed solely by policyholders.

Final Thoughts

Insurance companies have professionals working for them. Shouldn’t you?

Hiring a public adjuster can make all the difference between a lowball offer and a full, fair settlement. By leveraging policy knowledge, detailed documentation, and expert negotiation skills, public adjusters consistently help clients receive what they’re truly owed.

If you’re dealing with a property insurance claim, don’t go it alone—reach out to a licensed public adjuster and protect your investment.

Reliable Claims Adjusting provides you get the maximum insurance payment that you deserve.  For more information, go to our web site https://www.reliableclaimsadjusting.com

or call (727) 370-1119.

Dealing with property damage is stressful enough—don’t let mistakes in the insurance claims process cost you even more. Filing a property insurance claim might seem straightforward, but one wrong move can lead to delays, reduced payouts, or even denial of your claim. As public adjusters, we’ve seen it all. To help you protect your investment and your rights, here are the top five mistakes to avoid when filing a property insurance claim.

1. Waiting Too Long to File Your Claim

Insurance companies typically require you to file claims within a certain timeframe—often referred to as the “notice of loss” period. Waiting too long can give your insurer a reason to deny your claim, especially if additional damage occurs after the initial incident. Always report the damage as soon as possible, even if you’re still assessing the full extent.

2. Failing to Document the Damage Properly

Photos, videos, receipts, and written notes are all vital when supporting your claim. Skipping this step or providing unclear documentation can weaken your case. Before cleaning or making repairs, thoroughly document everything. This creates a record that proves the condition of your property immediately after the incident.

3. Not Understanding Your Policy

Many policyholders are caught off guard by exclusions, deductibles, or coverage limits. Don’t assume something is covered just because it seems like it should be. Take time to read your policy or consult a professional who can explain what you’re entitled to. This can prevent surprise denials and help you prepare stronger claims.

4. Making Repairs Before the Insurance Adjuster Arrives

While you may need to make temporary repairs to prevent further damage (like tarping a roof), making full repairs before the adjuster inspects the property can hurt your claim. Insurance companies want to see the damage firsthand. Whenever possible, wait for their assessment or get a public adjuster involved early.

5. Relying Solely on the Insurance Company’s Adjuster

Remember, the adjuster sent by your insurance company works for them—not for you. Their job is to protect the company’s interests, which may not align with your own. Hiring a licensed public adjuster ensures you have an advocate on your side—someone who will fight for the full and fair value of your claim.

Don’t Let a Mistake Cost You Thousands

The insurance claims process can be complex, but you don’t have to navigate it alone. At Reliable Claims Adjusting, our experienced public adjusters help homeowners and business owners maximize their settlements and avoid costly errors. If you’re dealing with property damage, contact us today for a free claim review.

Reliable Claims Adjusting provides you get the maximum insurance payment that you deserve.  For more information, go to our web site https://www.reliableclaimsadjusting.com

or call (727) 370-1119.