Storm damage can be devastating—but the real battle often comes when dealing with insurance claims. Miss a detail, and you could lose thousands. Here’s how to document like a pro and secure every dollar you deserve.
1. Act Fast—Before Evidence Disappears
Time is your enemy after a storm. Delays can mean:
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Fading damage evidence (e.g., water stains dry, debris gets cleared).
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Insurance denials due to “pre-existing wear and tear.”
Pro Move:
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Inspect your property within 24–48 hours (safely).
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Take timestamped photos before temporary repairs.
2. Capture the Right Photos (Like an Investigator)
Blurry, random shots won’t cut it. Insurance adjusters need proof, not guesswork.
Document like this:
✔ Wide shots of the entire damaged area (roof, siding, windows).
✔ Close-ups of cracks, dents, missing shingles, or leaks.
✔ Video walkthroughs with narration (e.g., *”Hail dent on gutter, 6/10/2024″*).
Avoid:
✖ Only photographing obvious damage (hidden structural issues matter).
3. Keep a Damage Diary (Your Secret Weapon)
A detailed log strengthens your claim. Track:
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Date/time of the storm (use weather reports as proof).
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Immediate effects (e.g., “Ceiling leak in master bedroom post-hail”).
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Repair receipts (even temporary fixes like tarping).
Example:
*”6/12/2024: Hailstorm caused 10+ dents per roof panel. Noticed attic leak same night.”*
4. Get a Professional Roof Inspection
Insurance companies often lowball DIY assessments. A licensed roofer’s report can:
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Identify hidden damage (e.g., soft spots, compromised decking).
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Provide legally defensible evidence for disputes.
Tip: Choose a contractor who works with insurance claims (like Hart Roofing).
5. Submit a Bulletproof Claim (Don’t Settle for Less)
Most claims get denied for poor paperwork, not lack of damage.
Checklist for submission:
- All photos/videos organized by damage type.
- Inspection report from a certified roofer.
- Copies of repair estimates and receipts.
- Your damage timeline (see #3).
CTA: “Need backup? Hart Roofing helps Houston homeowners document, inspect, and negotiate storm damage claims—ensuring you get the full payout.”
Phone : 713-281-2886 | Mail : info@hartroofingtx.com
