How to File a Roof Damage Insurance Claim in Fort Wayne

You've got damage. Now you need to get your insurance to pay for it. Here's exactly how to file a roof damage claim — what to do before you call, what to say when you call, and how to position your claim for the best outcome.

Before You Call

Document all damage with photos and video. Walk the entire perimeter. Check gutters, siding, windows, vehicles, and outdoor equipment in addition to the roof. The more collateral damage you document, the stronger the evidence that a significant storm event occurred at your property. For a complete checklist of exactly what to photograph and how to organize your evidence, see our roof damage documentation guide.

Take emergency mitigation steps — tarp any holes, address active leaks. Save receipts. Photograph your temporary repairs.

If possible, get a preliminary assessment from a local roofing contractor before filing. Having a professional opinion on the damage type and extent prepares you for the adjuster conversation and helps you understand what to expect.

Making the Call

Call the claims department directly — the number on your insurance card, not your local agent's office. When you call, provide the date of the storm event, a description of the damage (be specific: "hail damage to roof shingles, dented gutters, cracked siding" rather than "storm damage"), note that you've taken emergency mitigation steps, and request an adjuster inspection.

Get a claim number, the adjuster's name and contact information, and the expected timeline for the inspection visit. Write everything down.

During the Adjuster's Visit

Be present. Walk the property with the adjuster. Point out all damage you documented. If you have a contractor who can attend, invite them — they speak the adjuster's language and can identify damage that might be missed.

Don't volunteer opinions about the cause or severity — let the adjuster make their assessment, supplemented by your documentation and your contractor's observations.

If the adjuster doesn't go on the roof, request that they do. A ground-level inspection misses most hail damage and subtle wind damage.

After the Visit

You'll receive a written estimate and claim determination. Review the estimate carefully. Compare it to contractor quotes you've received. If the numbers align, proceed with repairs. If there's a significant gap, pursue a supplement through your contractor.

Keep copies of everything — the claim number, adjuster's report, all payments received, contractor invoices, and photos of completed repairs. You'll need the repair documentation to receive the depreciation holdback payment.

Get a free assessment or call (260) 255-4551.