Storm Damage and Homeowner Claims

Experience Conscious Roofing Solutions


A+ Better Business Bureau Accredited


GAF Certified Roofing Contractor


Veteran Owned Business

Experiencing damage to your home is undoubtedly one of the most stressful experiences a homeowner can face.  In addition to working with a trustworthy contractor like Modern Roofing Group, knowing the exact steps to take after a storm or other event damages your home can ease much of the stress and offer peace of mind.

Steps To Filing a Homeowner Claim

1.) Retrieve the Insurance Policy information for the coverage on your home. Be sure to note the policy number. Ask the questions in the next section below about your coverage and how you will be reimbursed when talking to your representative.

2.) Call the claims department of your insurance carrier. Many homeowners try to call their Agent, but the agents don’t work on claims. They are only in charge of selling you the policy and making changes as your coverage needs change. Let them know you have had your property inspected by a professional roofing company, and you are at the phase of filing a claim.

The claims department will ask a few questions in relation to your claim.

  • When was the date of loss? 
  • What type of loss was it? (hail, wind, both)
  • Have you had to make immediate repairs during the loss to prevent further damage to your property? Keep receipts and invoices, photograph temporary repairs.

3.) They will generate a claim number for you and later assign an adjuster to your claim to inspect the damage. If they don’t schedule the adjuster appointment in that same phone call, you’ll receive another phone call from your assigned adjuster later.

4.) Your claims adjuster will reach out to you to schedule the inspection within a few days. Contact us when that is scheduledWe will be on site to show them what was seen in our inspection. It is important that they don’t miss anything during the initial appointment. We can see everything a lot better first-hand.

5.) Once the adjuster’s inspection is complete and damages are approved for repair or replacement, you will receive an estimate of what they think it will take to restore the property using their estimating software. Share that with us so we can confirm the estimate includes everything needed to restore the damage and complete the work, or if supplemental items are needed.

6.) Complete the repairs and provide the paid invoices to your carrier to make sure you are reimbursed and indemnified from the claim.

Questions to Ask Your Insurance Carrier

If this is the first time you’ve filed a claim with your insurance carrier, it can be a little overwhelming when trying to understand the definitions, terms, descriptions, and layout of a damage assessment. Here are some good questions to ask so you can learn about the process and what type of coverage you have that applies to your claim.

If you are not covered for everything required to complete the work with regards to meeting local code or manufacturer’s installation specifications, you may have to pay out of your pocket for that work.

  • What type of policy do I have? Is it ACV or RCV?
  • How much is my deductible? 
  • Are there any applicable exclusions?
  • Do I have Ordinance and Law coverage? (Code upgrades)
  • What is my statute of limitations to complete the work?
  • Can you explain how the Loss Settlement Provision works for my policy?  (How a claim is paid out and you are indemnified)

In addition to asking these questions, you’ll want to get the following information to streamline communication between you, the homeowner, your insurance adjuster, and us, the contractor.

  • Your Claim Number
  • You Adjuster’s Name
  • Your Adjuster’s Phone Number
  • Your Adjuster’s Email Address

Modern Roofing Group IconModern Roofing Group

8200 Shaffer Parkway #271047, Littleton

4.7 18 reviews

  • Avatar Blake Wetzel ★★★★★ a week ago
    We were very pleased with the professionalism and quality of work of Brian and the team at Modern Roofing. We dealt with a poor quality of craftsmanship from the original builder and with all of the hail, it was time to bring in a professional. … More Modern Roofing took detailed pictures, found replacement tiles and did quality work. They went above our expectations; all for a reasonable price. Thank you Modern Roofing.
  • Avatar Build Your Books (Anywhere Bookkeeper) ★★★★★ 4 months ago
    Modern Roofing replaced our gutters, painted our house, did a roof inspection. I cannot say enough about how amazing they were from start to finish! They walked us through our options and everyone was professional and clean. HIGHLY RECOMMEND! … More

Modern Roofing Group: Roofers You Can Trust

Modern Roofing Group is the leading roofer in the Denver area. We specialize in residential roof repair, installation, and maintenance services for all types of roofs. Our experienced team of professionals use only the highest quality materials to ensure every job is done right the first time. With fast response times and competitive rates, Modern Roofing Group will have your roof fixed quickly so you can get back to more important things. Call us today to schedule an inspection and let us take care of your roof!