What to Do After a Fall Storm Damages Your Roof: Filing a Claim Made Simple

​Fall storms can leave your roof battered by wind, hail, or debris.

​Learn the key steps to take after damage, how to file a homeowners insurance claim, and what coverage to expect.

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🌧️ When Fall Weather Turns Costly
Autumn weather can be unpredictable—one day it’s crisp and sunny, the next you’re facing strong winds, hail, or heavy rain. Unfortunately, these fall storms can wreak havoc on roofs, causing leaks, missing shingles, or even structural damage.

According to NOAA, hail alone causes billions in property damage annually, with the Midwest and South among the hardest-hit regions. Homeowners in Texas, Missouri, and Kansas know all too well how quickly a seasonal storm can become an expensive repair.

🏠 1. Inspect and Document the Damage Immediately
Once it’s safe to do so, take a thorough look at your property.

• Photograph all visible damage, including shingles, gutters, windows, and siding.
• If you can’t safely access your roof, use a drone or take photos from the ground.
• Don’t make permanent repairs before your claim is processed, but you can cover exposed areas with a tarp to prevent further damage.

Tip: Keep receipts for temporary repairs—your insurance company may reimburse you.

📞 2. Contact Your Insurance Agent or Carrier Promptly
Notify your insurance provider as soon as possible after the storm. Most policies require prompt reporting, especially if additional damage occurs later.
Your independent insurance agent—like the team at Corin Insurance—can walk you through:

• Whether your policy covers hail, wind, or falling debris.
• What deductible applies to roof claims.
• The steps your carrier needs for inspection and payout.

Working with an independent agent means having someone on your side to compare multiple carriers and ensure you’re getting the coverage you deserve.

🧾 3. Schedule a Professional Roof Inspection
Your insurer may send an adjuster, but it’s wise to get a third-party roofing inspection as well. Contractors familiar with insurance claims can provide detailed estimates and documentation that strengthen your claim.

Choose a licensed and insured roofer—avoid “storm chasers” offering door-to-door repair deals.

💵 4. Understand How Roof Claims Are Paid
Homeowners policies typically pay out based on Replacement Cost Value (RCV) or Actual Cash Value (ACV):

• RCV covers the cost to replace your roof at current market rates (minus deductible).
• ACV deducts depreciation, meaning you’ll receive less if your roof is older.

Your Corin Insurance agent can help you verify which coverage your policy includes and whether endorsements like matching siding or roofing coverage apply.

🧠 5. Take Steps to Prevent Future Damage
Once repairs are complete, protect your investment:

• Trim overhanging trees.
• Clean gutters regularly.
• Schedule seasonal roof inspections before severe weather hits.

Preventive maintenance not only saves money—it may also help you qualify for lower premiums or claims-free discounts over time.

💬 We’re Here When the Storm Clears
Dealing with roof damage can be stressful, but you don’t have to navigate it alone.

At Corin Insurance Group, we work with top carriers across Texas, Kansas, and Missouri to guide homeowners through every step of the claims process—helping you recover quickly and confidently.
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👉 Get in touch with us today to review your coverage before the next storm hits: www.corininsurance.com

Disclaimer: Coverage and claim eligibility vary by policy and carrier. This article is for educational purposes only and not intended as legal advice.