Despite it being the exact service they offer, insurance companies seem to actively avoid paying appropriate amounts for claims. When filing a roofing insurance claim for hail damage or other issues, one of the most crucial factors for success is proper documentation. Having well-organized documentation not only strengthens your claim but also reduces the likelihood of disputes or delays during the review process. Here’s our own documentation on how to best gather yours.

How To Take Photos and Videos for Roofing Insurance Claims

Taking high-quality photos and videos is essential for capturing the roof damage in a way that supports your insurance claim. To ensure you document the damage effectively, start by using a high-resolution camera. If you have a modern smartphone, it should be sufficient for capturing detailed images of the roof. When taking pictures...

• Focus on dents, cracks, or missing shingles: These are common causes of hail damage roof insurance claims in Parker, CO and beyond.
• Shoot from multiple angles: This provides a comprehensive view of the roof's condition. If you’re confident in accessing your roof safely, include an object for scale, such as a coin or ruler, next to the damage.
• Be sure to document the entire roof: Even if some sections appear less damaged, this can be helpful as not all issues are immediately visible.
• Create a video walkthrough: This can complement your photos by offering a more complete visual record of the roof's state.
• Consider narrating the video: Then you can point out specific areas of concern, which may help clarify the extent of the damage for the insurance adjuster.
• Use a drone: This modern approach could elevate your documentation and is most effectively done alongside an inspection from a professional roofing company.

Start Before Damage Even Occurs

It is a mistake to wait until after a storm to start documenting your roof's condition. Being proactive and gathering evidence before any damage occurs can strengthen your position when filing an insurance claim. Before storm season starts, utilize the tips we covered above to document your roof’s current state, as these "before" images will serve as a baseline for comparing "after" damage photos.

What To Do During the Storm

Your primary focus should be on safety during any storm, but there are still ways to lay the groundwork for a stronger roofing insurance claim later. For starters, keep track of weather reports and document the date, time, and severity of the storm. Many insurance claims are supported by proof of a weather event that corresponds with the damage to your property. While it may be tempting to inspect your roof while the storm is happening, it is essential to wait until it is safe to go outside.

In the meantime, take measures to protect the interior of your home if the roof starts leaking. Use buckets, tarps, or other materials to contain any water and prevent additional interior damage. Document any interior damage, such as ceiling stains or wall issues, since this information will be relevant when filing your claim.

Going Out After the Dust Has Settled

After the storm has passed and it is safe to go outside, begin inspecting the damage and prepare to start the insurance claims process. Walk around your property and look for common signs of hail damage, such as dents on shingles, cracked or missing tiles, and granules in your gutters. And while we’re focusing on roofing, do not overlook other areas of your property, like windows, siding, or outdoor furniture, as they could also be affected by the hail. Take new photos and videos to document the damage, and make sure they are as thorough as the ones taken before the storm.

Work With Roofers Who Know Insurance Claims Well

Documenting your roof’s condition, preparing before the storm hits, and partnering with professionals who understand the intricacies of roofing insurance claims will help you navigate the process with confidence. An expert roofer can help identify damage that you may not notice, document everything thoroughly, and assist you in working with your insurance company to ensure the claim is handled fairly—though keep in mind they cannot represent you directly.

Take these proactive measures and especially utilize a FREE roofing inspection to increase the likelihood of receiving the compensation you need to repair or replace your roof.