North Carolina Storm-Damage Roof Claims
After a wind or hail storm, homeowners often have the same questions: what to do first, how a claim works and what a roofing contractor's role is. This guide explains the general process. Every policy is different, and your insurance company decides what is covered.
What AGCS does and doesn't do
AGCS inspects the roof, documents damage and explains the construction scope needed to repair it. We can be present when the adjuster inspects. We do not decide coverage, negotiate claims, act as a public adjuster, or waive or pay deductibles. Your deductible is your responsibility.
Right after the storm
- Stay off the roof and away from sagging ceilings and downed lines.
- Protect the inside: move belongings, catch water, cut power near leaks if safe.
- Take dated photos and video from the ground and inside.
- Keep receipts for anything you pay to protect the home.
- Check your policy for its deadline to report damage.
Inspection and documentation
A contractor inspects the roof, flashing, gutters and attic, and documents the damage with photos and notes. This helps you understand what was damaged and what the repair involves before or alongside the insurer's inspection. See hail damage vs blistering.
Filing the claim
You, the policyholder, file the claim with your insurer. The insurer assigns an adjuster who inspects the damage and prepares their own estimate. Keep notes of every call, including dates and names.
The adjuster visit
With your permission, AGCS can attend the adjuster's inspection to point out the damage we documented and answer construction questions. The insurer decides what is covered and how much it pays.
Understanding the decision
Policies may treat sudden storm damage differently from wear and tear, and may pay replacement cost or actual cash value. Some policies have separate wind or hail deductibles. See does insurance cover roof leaks. If you have questions about how your claim is handled, the North Carolina Department of Insurance offers consumer assistance.
Repairs after approval
Once you approve the scope, AGCS completes the roofing and any interior construction repairs as a licensed general contractor — decking, ceilings, insulation and framing included. See decking repair and roof repair cost factors.
Keep good records
Good records make a claim easier to follow. Keep a folder, paper or digital, with your photos and videos, the date and time of the storm, the claim number, the adjuster's name and contact information, and notes from every call. Save receipts for anything you paid to protect the home, such as tarps, water removal or temporary repairs. Keep copies of the contractor's documentation and the insurer's estimate. If questions come up later, these records help you, your insurer and your contractor stay on the same page.
- Photos and video with dates
- Claim number and adjuster contact
- Notes from every call
- Receipts for protection costs
- Contractor documentation and insurer estimate
Interior damage
Wind and hail damage often lets water into the attic and living space. Wet insulation, stained or soft drywall and damaged trim should be repaired once the roof is watertight, so moisture doesn't lead to mold. Ask your insurer how your policy handles interior damage caused by the storm. As a licensed general contractor, AGCS can include the interior construction repairs in the same scope as the roofing, rather than leaving you to find a separate contractor.
Temporary protection
If the roof is open to the weather, the first goal is to stop more water from getting in. Temporary protection, such as covering a damaged area once it is safe to do so, limits further damage while the claim and permanent repair are worked out. Many policies expect homeowners to take reasonable steps to prevent further damage, so keep receipts and photos of any temporary work. Don't climb onto the roof yourself; call a contractor for this step.
Watch for storm chasers
Ask any contractor for a North Carolina license number and a local address, and read any contract before signing. Be cautious of anyone who offers to cover your deductible. Learn more about our roofing insurance claims help and storm damage roof repair.
Frequently Asked Questions
Will AGCS handle my claim for me?
No. You file and manage your claim with your insurer. AGCS documents the damage, explains the construction scope and can attend the adjuster visit.
Can a contractor pay my deductible?
AGCS does not waive, pay or cover deductibles. Your deductible is your responsibility under your policy.
Related service: Roofing Contractor · More in Roofing & Storm Damage
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