How Do I File a Roofing Insurance Claim in North Carolina?

Document the Damage Immediately

As soon as it's safe, document everything:

• 📸 Photos/video from the ground — missing shingles, dented gutters, fallen debris
• 📸 Interior photos — water stains, ceiling damage, attic leaks
• 📝 Written notes — date, time, type of storm (hail, wind, etc.)
• 🏠 Property damage — dented siding, broken windows, fence damage (all supports your claim)

Prevent Further Damage (Temporary Repairs)

Your policy requires you to "mitigate" (prevent) further damage. If you have an active leak, cover it with a tarp. Save all receipts for emergency materials — your insurance should reimburse these. Don't make permanent repairs until after the adjuster visits.

Call a Licensed Roofing Contractor for an Inspection

Before calling your insurance company, get a professional inspection from a licensed, local roofer. Here's why:

• • A roofer can identify damage you can't see from the ground
• • Their professional report strengthens your claim
• • They can be present when the adjuster visits (highly recommended)
• • They know what your insurance should cover

At Kaliber Roofing, this inspection is always free. We provide a detailed damage report with photos that you can submit with your claim.

File the Claim with Your Insurance Company

Call your insurance company's claims line (the number on your insurance card). You'll need:

• • Your policy number
• • Date and type of damage event
• • Description of visible damage
• • Your roofer's inspection report (if available)

They'll assign a claim number and schedule an adjuster visit (usually within 1-2 weeks).

The Adjuster Visit

This is the most important step. The adjuster inspects your roof and determines what your insurance will cover. Critical tips:

• ✅ Have your roofer present — They can point out damage the adjuster might miss
• ✅ Be home during the visit — Don't let the adjuster inspect alone
• ✅ Don't accept the first offer immediately — Review the scope of work carefully
• ❌ Don't sign anything on the spot — Take time to review with your roofer

Review the Adjuster's Report

Your insurance company will send a settlement offer. Have your roofer review it to ensure:

• • All damaged areas are included
• • Line items match the actual scope of work needed
• • Material quality matches what's required (not cheapest option)
• • Code upgrades are included if required by current NC building code

If the scope is insufficient, your roofer can file a supplement — additional documentation requesting coverage for items the adjuster missed. This is common and often successful.

Choose Your Contractor & Get the Work Done

Once your claim is approved, you choose your contractor (remember — it's your choice, not the insurance company's). Most insurance payments come in two checks: an initial payment to start work, and a depreciation recovery check after work is completed and documented.