Storm damage and insurance
Storm damage? We’ll help you through the claim
Most homeowners insurance policies cover sudden, storm-related roof damage. We inspect your roof for free, meet your adjuster and handle the roofing side of your claim, from the first photo to the final shingle.
Free Storm Inspection
We check your roof, gutters and attic, and photograph everything.
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Call (877) 213-8536Storm Just Hit? Do This First
Step 1: Put safety first
Stay off the roof and away from downed lines or sagging ceilings. Ladders and wet shingles don’t mix.
Step 2: Take photos and videos
Photograph the roof from the ground, the yard, gutters, siding and any leaks inside, with the date. It helps your claim.
Step 3: Look for hidden damage inside
Check ceilings and the attic for stains, drips or damp insulation. Not all damage shows from the outside.
Step 4: Call us as soon as possible
We inspect and document the damage, and can add temporary protection, like a tarp, to stop more water getting in.
What insurance covers
Will Insurance Pay for Your Roof?
Your policy decides, but storm damage insurance usually works like this:
Usually covered
Usually not covered
How we help
Your Claim, Step by Step
Step 1: Free storm-damage inspection
We inspect your roof, gutters and attic for obvious and hidden damage, photograph everything and tell you honestly whether it looks cosmetic or claim-worthy.
Step 2: Decide whether to file
We help you think through your deductible and your coverage (ACV or RCV). If a claim makes sense, you call your insurance company to open it.
Step 3: We meet your adjuster
A Panda representative can be on the roof with the adjuster, pointing out the damage slope by slope, so nothing gets overlooked.
Step 4: Your new roof, and supplements
Once the claim is approved, the insurance scope is our baseline. If tear-off uncovers hidden damage, we help submit a supplement for the extra work.
Your roofing advocate, not a public adjuster. You stay in control of your claim and talk to your insurance company; we bring the roofing facts, photos and a detailed estimate. Your insurance company decides what is covered, and sometimes the best advice is not to file at all.
Storm Damage Questions, Answered
Will my insurance pay for a new roof?
Often, when the damage is sudden and storm-related: wind, hail, falling limbs or the weight of snow and ice. Old age and wear and tear usually aren’t covered. Your deductible and your type of coverage affect what you pay.
How long do I have to file a claim?
There is no single deadline. It depends on your policy, your state and the type of claim, and many policies require prompt notice. The safest approach is to have the roof inspected and notify your insurance company as soon as you know about possible storm damage.
Should I file a claim before getting an inspection?
You don’t necessarily need to. An inspection can show whether there is storm damage and whether it is likely to exceed your deductible. But don’t let it delay reporting serious damage, like a tree on the roof or water coming in.
What’s the difference between ACV and RCV coverage?
Actual cash value (ACV) pays for the roof’s depreciated value, so an older roof gets a smaller payout. Replacement cost value (RCV) is meant to pay for a new roof of similar kind and quality: often an ACV payment first, then the withheld depreciation once the roof is replaced. You pay the deductible either way.
What if more damage is found during the replacement?
Removing shingles can uncover damaged decking, underlayment or flashing. It should be reported as soon as it’s found; we document it and help submit a supplement to your insurance company for the extra work.
What if my claim was denied or underpaid?
A denial or lowball offer doesn’t always have to be the final word. A second-opinion inspection, with a detailed photo report and a line-item estimate, can be used to ask your insurance company for a reinspection or a supplement.
Our storm and insurance guides
Think your roof took a hit?
Book a free storm-damage inspection. We’ll tell you honestly whether it looks cosmetic or claim-worthy.
