How to Work With Your Insurance After a Storm Damages Your Roof
Let Evergreen Construction guide you every step of the way
Storm damage can be overwhelming. Between worrying about your home’s condition and navigating the confusing insurance claim process, it’s easy to feel lost. At Evergreen Construction, we’ve spent over 20 years helping homeowners recover from hail and wind damage with ease, clarity, and confidence.
This guide explains how storm damage claims work — and how our experienced team at Evergreen makes the process smoother, faster, and far less stressful.
Step 1: Let Evergreen Handle the Inspection for You
After a storm, it’s crucial to know if your roof was compromised. We offer free, no-obligation inspections, so you don’t have to guess or take risks climbing your roof.
Our team:
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Performs a full exterior inspection (roof, siding, gutters, windows)
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Documents all damage with photos and notes
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Identifies what’s storm-related vs. pre-existing
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Gives you a clear, honest assessment of next steps
🔍 We find what adjusters sometimes miss — and we fight to make sure it gets covered.
Step 2: We Help You Understand Your Insurance Coverage
Insurance policies can be difficult to interpret. That’s why we walk you through your coverage and help you answer questions like:
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What does my policy cover?
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Am I eligible for a full roof replacement?
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What is my deductible, and how is it applied?
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What if my siding doesn’t match after repairs?
We don’t sell insurance — but with two decades of experience working with homeowners and their carriers, we know how to advocate on your behalf.
Step 3: Filing the Claim — You’re Not Alone
Once you’re ready to file, Evergreen can:
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Guide you through the process of contacting your insurer
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Help you describe the damage clearly
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Prepare supporting documentation, including inspection photos and reports
You’ll receive a claim number and your insurance will schedule an adjuster to visit your property.
Step 4: We Meet the Adjuster On-Site
One of the most important parts of the claim process is the adjuster meeting — and we’ll be there for you.
Our project lead will:
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Meet the adjuster at your home
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Walk them through the damage we found
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Answer technical questions and discuss code requirements
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Ensure nothing is overlooked
🎯 This step is critical — having us there can make the difference between a denied claim and full approval.
Step 5: We Review the Insurance Estimate With You
Once your insurer provides an estimate, Evergreen will:
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Review it line-by-line
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Make sure nothing was missed (materials, labor, ventilation, etc.)
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File supplement requests if needed
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Work with your insurance carrier directly so you don’t have to
We act as a bridge between you and your insurance to make sure your home is restored the right way — no cutting corners.
Step 6: Your Roof Replacement Begins — Professionally Managed From Start to Finish
Once the claim is finalized, we’ll schedule your install. Evergreen’s crews are:
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Licensed, insured, and highly trained
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Committed to leaving your property cleaner than we found it
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Backed by lifetime workmanship and material warranties
We handle everything — from material delivery to clean-up — and keep you informed at every step.
Step 7: Final Documentation & Peace of Mind
After your project is complete, we provide:
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A paid-in-full invoice for your records or mortgage company
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Photos of your finished roof
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Product and labor warranties
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Any final paperwork required for your insurance
We’ll also check in with you afterward — because at Evergreen, we believe in long-term relationships, not one-time transactions.
Why Homeowners Choose Evergreen Construction
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Over 20 years of storm restoration experience
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Personalized, hands-on service through the entire claim process
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Trusted by hundreds of homeowners for honesty, quality, and results
Start With a Free Inspection
If a storm has recently passed through your area, don’t wait. Small damage can lead to big problems if left unaddressed.
📞 Call us at 651-209-3130
Ready to file a roof insurance claim? Let us help you get started
Frequently Asked Questions About Roof Insurance Claims
What’s the first step after my roof is damaged by a storm?
The first step is to schedule a professional roof inspection. At Evergreen Construction, we offer free inspections to assess the damage, document it for insurance, and advise whether a claim is necessary.
Should I call my insurance company before calling a contractor?
It’s better to call a trusted contractor first. Evergreen Construction can assess your roof and provide documentation before you file a claim, helping you avoid unnecessary claims or underpaid settlements.
Can Evergreen Construction meet with my insurance adjuster?
Yes! We meet with your insurance adjuster on-site to make sure all storm-related damage is documented and properly included in their estimate — giving you peace of mind and stronger claim results.
What if my insurance estimate is too low?
No problem. Our team will review your insurance estimate line-by-line and file a supplement if anything is missing. We work directly with your insurer to ensure you’re fully covered.
