A Homeowner's Guide to Roof Insurance Claims in Arizona

Step 1: Get a Contractor Inspection Before Calling Your Insurer

The single most impactful thing an Arizona homeowner can do after a storm is get a licensed contractor's written inspection report before filing a claim. A detailed report with photographs, damage description, and repair scope gives your carrier everything needed to process the claim accurately — and is far more powerful than a phone report based on a satellite image. XRP Roofing provides storm damage documentation reports at no charge.

Step 2: Understanding What Is and Isn't Covered

• 1Covered: Storm damage from hail, high wind, fallen trees, and other sudden weather events
• 2Covered: Damage resulting from a covered event (interior water damage from storm-caused roof failure)
• 3Not covered: Gradual wear, age-related deterioration, deferred maintenance
• 4Not covered: Pre-existing conditions that were not caused by the claimed event
• 5Gray area: Damage to a roof that had deferred maintenance — carriers may apply partial coverage or depreciation

Step 3: The Adjuster Visit

Request that your carrier send a field adjuster rather than accepting a desk review based on satellite imagery — field inspections consistently result in more accurate assessments for complex storm damage. XRP Roofing offers to meet your adjuster on-site and walk through our damage documentation. This is the single most effective way to ensure all damage is captured in the initial assessment and reduces the need for supplemental claims.

Step 4: Supplemental Claims

If the initial adjuster estimate is insufficient to cover the scope of work required, a supplemental claim can be filed with additional documentation. This is common for large hail events where hidden damage (underlayment, decking, flashing) is not initially assessed. We prepare supplemental documentation as a standard part of our insurance claim support service.