Indiana storms can wreak havoc on your roof. Here's a step-by-step guide to filing an insurance claim and getting your roof repaired or replaced quickly.
Northern Indiana is no stranger to severe weather. Hailstorms, high winds, and heavy rain can cause significant damage to your roof — sometimes without you even realizing it. The good news? Your homeowner's insurance likely covers storm damage. Here's how to navigate the claims process.
After a storm passes, take photos and video of any visible damage from the ground — missing shingles, dents in gutters, debris on the roof. Don't climb on the roof yourself. Also photograph any interior signs of damage like water stains on ceilings or walls. (Not sure what you're looking at? Our warning-signs guide covers what to spot from ground level.)
Before calling your insurance company, have a professional inspect your roof. A reputable contractor will provide a detailed inspection report with photos that documents all storm-related damage. This report becomes your strongest evidence when filing a claim. We provide free storm damage inspections — book one before you contact your insurer.
Contact your insurance company to file a claim. Provide them with your contractor's inspection report and your own photos. Your insurer will assign an adjuster to assess the damage — this usually happens within 1–2 weeks.
When the insurance adjuster comes to inspect your roof, have your contractor present. An experienced contractor knows exactly what to look for and can point out damage the adjuster might miss. This is one of the most important steps in maximizing your claim.
The insurance company will provide an estimate for repairs. Review it carefully with your contractor to make sure nothing was missed. If the estimate seems low, your contractor can help you file a supplement with additional documentation.
Once the claim is approved, schedule your roof replacement. Most insurance policies require the work to be completed within a certain timeframe. At Creedence, we handle the entire process — from initial inspection to final paperwork — so you can focus on your life while we handle your roof.
Many homeowners put off filing a claim, hoping the damage isn't serious. But small problems become big problems fast. Most insurance policies have a time limit for filing storm damage claims — typically 1 year from the date of the storm. The sooner you act, the better.
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