Storm damage? Your claim checklist.
The first part of a storm claim, the way our Roofing Specialists walk homeowners through it: from the storm to the adjuster's decision. Tick each one off as you go.
"Patriot came out the same day I called. Sean was friendly and completed my repair very quickly. I appreciate their promptness and great work!"
- 111 Google Reviews rated 5.0 stars
- Licensed, Bonded & Insured
- 100% Satisfaction Guarantee
- Financing available $0 down, with approved credit. Click here for financing
Water coming in? Call 501.441.2900, answered live 24/7, for emergency tarping.
0 of 12 steps done.
1 Right after the storm
2 Inspection and filing the claim
3 The adjuster visit
After the adjuster's decision
- Approved, in full or in part: what happens next, from your scope of loss to the final insurance check.
- Denied, or only a repair approved on shingles that cannot be repaired: reinspections and the brittle test.
- Want to read the agreement first? The contingency agreement, in plain words.
General information, not insurance or legal advice. Coverage, deductibles and deadlines vary by policy and insurer; your agent can confirm yours. Patriot Roofing documents damage and writes estimates for its work; your insurer decides what is covered.
Storm claim questions
What should I do first after a storm damages my roof?
Stop any water coming in: call Patriot Roofing at 501.441.2900, answered live 24/7, for emergency tarping, and keep the receipt for your insurer. Then book a roof inspection right away, because many insurers set a deadline for reporting storm damage.
Should I call my insurance company or a roofer first?
Get the roof inspection first. Your Roofing Specialist shows you, with photos, whether there is hail or wind damage, so when you call your insurer you can tell them what was found. If there is no storm damage, we tell you, and you do not need to file.
What if the insurance company asks when the storm happened and I do not know?
Do not guess. Tell them the truth: if you are not always home and are not sure exactly when the damage happened, say so.
Why should Patriot Roofing be there when the adjuster comes?
Many adjusters are not construction experts. Your specialist gets on the roof with the adjuster and points out the damage slope by slope, along with damaged vents, pipe boot flashings, gutters and fascia, so it is seen and documented. The coverage decision is still your insurer's.
Should I ask for a licensed adjuster instead of an inspector?
Yes. Many insurance companies send a third-party inspector who takes photos but has no authority to decide whether there is storm damage. When you file your claim, ask for a licensed insurance adjuster to assess the damage to your roof, and be polite but firm about it.
Can you tell me if my insurance will pay?
No. Only your insurer decides coverage. We can show you, with photos, what storm damage is on your roof, and a Patriot Roofing specialist will meet the adjuster to point it out.
Should I file a claim if the damage might be less than my deductible?
Find out first. The Arkansas Insurance Department advises that if the damage is below your deductible you would pay for the repairs yourself, and if it is much larger than your deductible you should turn the claim in to your insurance carrier. A roof inspection shows you, with photos, what storm damage is there, so you can decide before you call. Your deductible is always your responsibility.
How should I document storm damage for my claim?
Take photos or video of the damage as soon as it is safe, write down the date of the storm, and unless your insurance company tells you to, do not throw anything away. Keep every receipt, including receipts for temporary repairs. Your Roofing Specialist adds photos of the roof itself with the 21-point report, which you can share with your insurer.
Will insurance pay for a tarp or other temporary repairs?
The Arkansas Insurance Department tells homeowners to make the repairs needed to prevent further damage and to save every receipt, including those for temporary repairs, which your policy might cover. Patriot Roofing can tarp the roof; you pay for the tarping and can submit the receipt to your insurer. Do not have permanent repairs made until your insurance company has inspected the property.
Is the storm inspection really free?
Yes. Inspections for hail, wind and storm damage are free. A repair visit for a leak that is not storm related carries a $79.99 diagnostic fee, with no fee for Patriot Care Club members.
More on storms: storm damage repair, how the roof insurance claim process works in Arkansas and cosmetic vs functional hail damage.
Book your visit online
Pick a time that works for you.
Have No Fear, Patriot Is Here!
Call any time. Our phones are answered live 24/7.
Financing available, with approved credit
$0 down, 0% financing for 12 months, or payments of about $176 a month on $15,000 at 12.99% APR for 240 months. Soft credit check, approval in as little as 60 seconds.
Financing is with approved credit. Promotional rates and terms are not guaranteed and can change at any time. Payment example: $15,000 financed with $0 down at 12.99% APR for 240 months is 240 monthly payments of $175.63. 0% financing for 12 months is a promotional offer from the lender; the terms that apply after the promotional period are set by the lender. We work with more than one lending partner, and the rates and terms you are offered are set by the lender you are approved with, not by Patriot Roofing and Restoration. All rates and terms are presented to you in writing before you sign anything.