Storm Damage Doesn't Wait
Your Roof Is Damaged. Now What?
Leaks, missing shingles, hail hits — Utah homeowners have questions and not many places to get straight answers. We inspect your roof for free, tell you honestly what your insurance will cover, and handle the documentation so nothing gets missed.
No upfront cost. No pressure. Just honest answers.
Free Inspection
We come to your home, document the damage, and give you an honest assessment. No charge.
Free Claim Assistance
We document the damage thoroughly, walk the roof with your adjuster, and make sure every damaged area is visible and on record.
You Pay Your Deductible
If your claim is approved for a full replacement, you pay your deductible — typically $1,000 to $2,500 for most Utah homeowners. That's the only number that comes out of your wallet.
If your claim is denied or your damage does not qualify, you owe us nothing. We tell you the truth either way.
Is My Roof Damage Actually Covered?
Not every damaged roof qualifies for a full insurance replacement. Here is what insurers look at — and what we look for during your free inspection.
Damage That Often Qualifies
- ✓ Hail impact marks on shingles, metal vents, or gutters
- ✓ Wind damage causing lifted, missing, or creased shingles
- ✓ Storm-related interior water intrusion with a clear entry point
- ✓ Damage caused by fallen trees or debris from a covered storm
Damage That Usually Does Not Qualify
- ✕ Normal wear and aging — granule loss from years of weathering
- ✕ Pre-existing damage that predates your current policy
- ✕ Poor installation or workmanship issues from a prior contractor
- ✕ Damage caused by neglected maintenance you were aware of
We will tell you honestly after your inspection whether we believe your damage qualifies. We do not encourage homeowners to file claims that are unlikely to be approved — that wastes your time and can affect your rates.
ACV vs. RCV: What Your Policy Actually Pays
Your settlement amount depends on which type of coverage you have. Most homeowners do not know this until they see their check.
ACV
Actual Cash Value
The insurer pays what your roof was worth at the time of the storm — after deducting for age and depreciation. A 15-year-old roof will receive significantly less than a new one.
You cover the gap out of pocket.
RCV
Replacement Cost Value
The insurer pays the full cost to replace your roof with materials of like kind and quality — regardless of your roof's age. Depreciation is held back initially, then released after the work is complete.
You only pay your deductible.
Not sure what you have?
Look for "Loss Settlement" or "Roof Settlement" in your policy documents. We can walk through this with you during your inspection at no charge.
5 Mistakes That Can Hurt Your Claim
Most claim problems are avoidable. These are the mistakes we see homeowners make most often in Northern Utah after a storm.
Waiting too long to file
Most policies require you to file within 1 year of the storm — some less. Utah has had major hail events where homeowners lost coverage by waiting. If you think your roof was hit, get an inspection now.
Hiring a contractor before your adjuster visit
If you repair or replace before the adjuster sees the damage, insurers can deny or reduce your claim. Document everything first. Make temporary repairs only if needed to prevent further damage — and save every receipt.
Letting a storm chaser pressure you into signing
Out-of-state crews follow hail storms and use high-pressure tactics. They may disappear after the job, leaving you with no warranty and no local recourse. Work with a licensed Utah contractor who will be here when you need them.
Signing an Assignment of Benefits (AOB)
Some contractors ask you to sign over your insurance rights so they can deal directly with your insurer. This removes your control over the claim. In Utah, read everything before you sign.
Not getting a second opinion on a denied claim
A denial is not always final. If you believe the damage is legitimate, a detailed re-inspection report from a reputable contractor can support a re-evaluation. We provide written inspection documentation at no cost.
Why Work With Homer Roofing on Your Claim?
Navigating an insurance claim is confusing and time-consuming. We handle the heavy lifting.
No Extra Cost
Our claim assistance is included at no additional charge. We are paid from your approved claim proceeds.
Proper Documentation
We know exactly what insurance companies need — photos, measurements, and damage reports that meet their requirements.
On-Site Adjuster Meeting
We meet with adjusters in person to ensure all damage is properly identified and fairly assessed.
Appeal Support
If your claim is underpaid or denied, we prepare the supplemental documentation you need to request a re-evaluation.
Our Insurance Claim Process
We guide you through every step, from initial inspection to completed repairs.
Free Damage Assessment
We inspect your roof thoroughly and document all damage with photos and detailed notes that insurance companies require.
Claim Filing Support
We help you understand your policy, file your claim correctly, and provide all necessary documentation to your insurance company.
Adjuster Meeting
We meet with your insurance adjuster on-site to walk through the damage and ensure nothing is overlooked in their assessment.
Supplemental Documentation
If the initial estimate is too low, we prepare and submit supplemental documentation with detailed evidence to support a fair outcome.
Quality Repair or Replacement
Once approved, we complete your roof work to the highest standards, backed by our lifetime workmanship warranty.
What Does Insurance Typically Cover?
- ✓ Hail damage
- ✓ Wind damage
- ✓ Storm damage
- ✓ Falling objects (trees, branches)
- ✓ Fire damage
Not typically covered:
- • Normal wear and tear
- • Age-related deterioration
- • Improper installation by a previous contractor
Professional Documentation
Thorough documentation is critical to a successful claim. Our reports include:
- ✓ High-resolution photos of all damage
- ✓ Detailed written damage assessment
- ✓ Accurate measurements and scope of work
- ✓ Professional estimate for repairs
Not sure if your damage is covered? We'll inspect your roof and give you an honest assessment of whether you have a valid claim.
Real Homeowners. Real Claims.
What Homeowners Say About the Process
"From start to finish, Forrest Holden with Homer Roofing made the entire process seamless and stress-free. He was incredibly professional, patient, and knowledgeable about every aspect of roofing and insurance claims. Forrest went above and beyond to help me navigate the insurance process, even helping me draft emails and always keeping me informed about what to expect."
Norma Elfors
Roof Advisor: Forrest Holden
Insurance Claim Help"Homer Roofing was fantastic. Devin H came out to my home to see my roof. He was very knowledgeable about the condition of the shingles and where the damage came from. He found enough weather damage for us to consider an honest insurance claim. They put us on the schedule for only 2 weeks later and had the entire job done in one day."
Wilkin L
Roof Advisor: Devin H
Insurance Claim Help"Our roofing experience was very positive. Forrest was great from the beginning inspection to working with our insurance and the adjuster to ensure everything was documented and correct. The tear off and installation went quick and the crew did a great job of cleaning up. We are very happy that we went with them and love our new roof."
Steven F
Roof Advisor: Forrest
Insurance Claim Help"Devon Daniels was great to work with! He is super honest and has a hard-working crew! He helped me navigate my insurance claim, and my new roof that he installed is beautiful!"
Cindy Allen
Roof Advisor: Devon Daniels
Insurance Claim HelpWhat's at stake
What Happens When Homeowners Handle Claims Alone
Insurance companies deal with claims every day. Most homeowners deal with them once or twice in a lifetime. That gap in experience costs money.
Get a Free Inspection FirstMissed damage
Adjusters work fast. Damage on flashings, gutters, and low-slope areas is easy to miss without a trained eye present.
Underpaid settlements
Initial estimates frequently exclude code upgrade costs, ventilation corrections, or full material scope. Most homeowners accept the first number.
Denied claims
Incomplete documentation is the most common reason claims are denied. Insurers need specific photos, measurements, and written assessments.
Storm chasers
Out-of-state crews follow hail events and pressure homeowners to sign quickly. Many disappear after the job with no warranty and no local recourse.
Insurance Claim FAQs
Will my insurance cover my roof replacement? +
What is the difference between ACV and RCV policies? +
What if my claim is denied? +
Do I have to pay anything upfront? +
How long does the insurance claim process take? +
Storm Damage? Let Us Help With Your Claim.
Schedule your free storm damage inspection. We assess the damage, document everything, and guide you through the process — at no extra cost.