OUR GUIDED STEP-BY-STEP PROCESS
How to File an Insurance Claim
Got some roof damage and need to file a claim but don’t know where to start? No worries - we put together this guided step by step process for your reference should you ever need it!
STEP 01 - REVIEW YOUR POLICY 📄
The first step is to find your homeowner’s insurance documents and determine what type of policy you have: a Replacement Cost Value (RCV) policy or Actual Cash Value (ACV) policy.
Replacement Cost Value (RCV) Policy: reimburses the full cost of repairs without depreciation.
Actual Cash Value (ACV) Policy: reimbursement will be based on the depreciated value of the roof or materials.
You also want to take a look at your deductible amount and what is listed under your policy’s “covered perils,” such as wind/storm damage, falling trees. Make note if it reads there are any changes during hurricane events (e.g. higher deductibles).
💡 THINGS TO CONSIDER:
• If you have an ACV policy, you may be responsible for covering the cost difference between the depreciated amount and the total repair cost. 💰
• Before moving forward to the next step, pause and consider whether filing a claim makes financial sense in light of your specific deductible and policy coverage. 🤔
STEP 02 - BOOK AN INSPECTION 🔍
Get a trusted roofer (like NANOROOF™ Alabama) to come out and complete a comprehensive inspection of the damage. The inspection should include:
• Detailed Roof Inspection: Conduct a thorough inspection of the roof and gutters. Identify all visible damage caused by the covered peril and any related structural issues.
• House Walk-Around Inspection: Check for additional damage caused by the storm or covered peril, such as siding, soffits, fascia, or windows.
With inspections, it’s important to be thorough but honest—you don’t want to exaggerate or falsify claims.
STEP 03 - REVIEW FINDINGS & ESTIMATE 🧾
NANOROOF™ Alabama will provide you with a professional, line-item estimate that includes:
• Measurements and materials required for repairs
• Detailed descriptions for each item being replaced (e.g., “roof decking due to damage”)
• The mechanism of loss (e.g., “due to wind damage” or “impact from fallen tree”).
• Notes on any matching provisions (e.g., “Spot repair will not match”).
The estimate should also include all potential repairs upfront, such as roof decking or flashing, to avoid the need for supplements later.
STEP 04 - FILE THE CLAIM 🗂️
It’s time to file! If NANOROOF™ Alabama has conducted your inspection, we’ll also be happy to assist you in filing your insurance claim. Otherwise, you should find instructions on how to do so in your policy documents. Make sure to:
• Carefully describe the mechanism of damage (ie. what caused the damage) when opening the claim.
• Upload the detailed estimate provided when your roof was inspected.
Then what? Your insurance company will send an adjuster to inspect the damage and determine coverage.
STEP 05 - MEET THE ADJUSTER 🧑💼
A NANOROOF™ Alabama technician will meet with the insurance adjuster to walk them through the damage and review the provided estimate.
We’ll highlight key details, explaining the mechanism of loss and why each item is necessary for proper repairs.
STEP 06 - DETERMINE COVERAGE ✅
Sometimes negotiations are needed in order to get the coverage you need. NANOROOF™ Alabama will be available to answer any questions from the insurance company or adjuster about the estimate.
If the claim is denied or undervalued, we’ll explore the option of a public adjuster for larger claims. For smaller claims, we’ll consider negotiating for maximum coverage.
STEP 07 - COMPLETE THE REPAIRS 🔨
Our NANOROOF™ Alabama team will execute all approved repairs, including roofing, siding, soffits, and gutters.
After the repairs are complete, we’ll conduct a final walk-through with you to ensure all work meets our professional NANOROOF™ Alabama standards.
STEP 08 - FINALIZE THE CLAIM 🏡
The repairs may be done, but we aren’t! In order to ensure you are set up for success, NANOROOF™ Alabama will provide you with clear guidance on how you should handle deductible payments and any final insurance paperwork, along with your warranty information.
That’s it! No matter what roofing concerns you may have - big or small - NANOROOF™ Alabama is with you every step of the way to help you Cover What Matters Most.
Need to file an insurance claim? Contact us here and we’ll help you through the process.
WHAT PEOPLE ARE SAYING
Our Mission
We love people by giving them a world-class experience and showing them all their options when the time comes to make the repairs or improvements to their home and other investment properties.
At NANOROOF™ ALABAMA, our vision to revolutionize the built environment with high-performing, NANOTECHNOLOGY enhanced materials that ensure safety and efficiency. We mitigate billions in property damage, reduce landfill waste, and promote sustainability by decreasing weather-damaged material disposal and carbon emissions.
We are leaders in NANOTECHNOLOGY solutions, enhancing durability and performance in roofing and construction. We add value for homeowners, foster industry innovation, and build a resilient, sustainable future through strong partnerships and cutting-edge technology, transforming the built environment.