After a monsoon or hail event, know what to expect from your roofing contractor — from roof inspection and photo documentation to repair estimates and repairs.
Step 1: Get the Roof Inspected and Documented Promptly
Having the roof inspected and photographed promptly gives you an accurate, dated record of its physical condition that you may share with your insurer. XRP Roofing provides roof inspections with photo documentation and a written repair estimate at no charge. Check your policy's notice requirements and do not delay them while arranging an inspection.
Step 2: Coverage Depends on Your Policy
- 1Coverage is determined by your policy and your insurer — XRP Roofing does not interpret coverage
- 2Policies commonly distinguish sudden storm damage from gradual wear, aging, or deferred maintenance; your policy defines how
- 3Our written findings describe the physical damage we observed and its apparent cause so you have accurate information to review with your insurance adviser
- 4Ask your insurer or adviser about deductibles, depreciation, and any notice or filing deadlines that apply to you
Step 3: The Adjuster Visit
With your permission, if your carrier sends an adjuster to inspect the roof, XRP Roofing can be on-site to point out the physical damage we documented and answer questions about repair requirements.
Step 4: Additional Damage Found During Repairs
If additional damage (underlayment, decking, flashing) is discovered once work begins, XRP Roofing documents it with photos and provides a revised construction estimate. How that is handled with your insurer is between you and your carrier.
Frequently Asked Questions
Should I call my insurance company or a roofer first after storm damage?
Do both promptly. Follow any notice requirements in your policy, and have the roof inspected and photographed before repairs change its condition. XRP Roofing provides the photos, written findings, and repair estimate; decisions about the claim are between you and your insurer.
How long do I have to file a storm damage claim in Arizona?
Filing and notice deadlines vary by policy. Check your policy's notice and filing requirements or ask your insurance adviser, and act promptly. Document the damage as soon as it is safe to do so.
Will my insurance rates go up if I file a roof claim?
Filing a claim can affect renewal rates depending on your insurer and policy. That is a question for your insurance adviser. XRP Roofing's role is to document the physical roof damage and provide a repair estimate you can use in that conversation.