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Decision guide

Keep property evidence, contractor findings, and carrier decisions in separate labeled files

A good claim record preserves who observed, decided, or paid for each step without asking a roofer to interpret the policy.

Prepare an orderly storm file while keeping coverage decisions with the insurer.

Call to discuss the roof 877-702-1610
01

Notify and ask the carrier

NCDOI advises contacting the insurance agent or company after a wind or hail loss, preventing further damage safely, keeping receipts, taking clear pictures before temporary repairs, and avoiding permanent repairs until the insurer has had an opportunity to inspect and costs are agreed. Follow the actual policy and carrier instructions.

02

Build a dated evidence index

Keep the official weather reference, property photographs, event and discovery timeline, prior roof condition records, temporary-work scope and receipts, each inspection report, estimates, carrier correspondence, adjuster material, and authorizations. Preserve originals and label every author.

03

Separate professional roles

A roofing provider can inspect physical conditions and propose work. An insurer or its representative communicates the carrier's coverage position. Engineers, building officials, and other specialists may have separate roles. Do not rewrite one party's conclusion as if it came from another.

04

Track the permanent project

Compare the selected contract with the authorized work, but do not assume they must use identical line items or prices. Record supplements, changed conditions, permits, inspections, products, warranties, invoices, payments, and closeout. Ask the carrier before discarding material or making a change that affects its review.

Put the roof question into words

Have the property type, safe observation, date, and existing records ready. Ask the recipient to identify the company and confirm whether the address and roof concern fit its work.

Raleigh Roofing Comparison Desk is a roofing information and referral publisher, not the roofing contractor. A call may connect you with an independent provider or call service. Confirm the recipient, Raleigh coverage, service fit, credentials, insurance, availability, price, permit responsibility, and contract terms before authorizing work.

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Call to discuss the roof · 877-702-1610