When a storm hits Kentucky, the damage is often obvious. But the real challenge begins afterward—navigating the insurance claim process. Packed with jargon, delays, and uncertainty, it can leave even the most prepared homeowners frustrated.
After 15 years in the insurance industry, I saw firsthand how confusing this process can be. The fine print. The unanswered questions. The feeling of being alone when your most important asset—your home—is on the line.
This guide is here to make the process clear and give you a step-by-step roadmap you can follow with confidence.
Quick Reference Checklist
-
Document the damage safely
-
Call a trusted roofing contractor first
-
Contact your insurance company if needed
-
Be present during the adjuster visit
-
Review your claim carefully
-
Get multiple estimates
-
Choose a reputable contractor
-
Collect warranties and final payments
1. Document the Damage
As soon as it’s safe, start documenting what you see:
-
Photos & Videos: Capture clear, dated images of all damage—missing shingles, dents, leaks, damaged gutters.
-
Stay on the Ground: Don’t climb up yourself unless you’re trained. Use a drone or telephoto lens.
-
Temporary Repairs: Tarp or patch to prevent more damage. Keep all receipts.
2. Call a Trusted Contractor First
Insurance Pro Tip:
Before you call your insurance company, schedule an inspection with a reputable local roofing contractor.
Why?
When you call your carrier and ask them to send an adjuster, they often open a claim file—even if no payment is made. This is called a zero-paid claim.
Why this matters:
-
It still shows up on your insurance record.
-
Too many zero-paid claims can increase your premiums.
-
In some cases, carriers may even cancel your policy.
-
Future insurance quotes can be higher because it looks like you have frequent claims—even if nothing was paid.
Steps:
-
Schedule a free inspection with a contractor experienced in insurance claims.
-
Review their findings.
-
If damage is confirmed, then contact your insurance company to file the claim.
Avoid Zero-Paid Claims
Always have a trusted roofing professional assess damage first. Filing a claim you don’t need can leave a record that increases your premiums or affects future coverage—even if the insurance company pays nothing.
3. File Your Claim (If Needed)
If your contractor confirms significant storm damage, contact your insurance provider right away.
-
Have Details Ready: Policy number, date of loss, description.
-
Be Specific: State you’re filing for storm-related damage.
-
Ask Questions: Confirm your deductible, process timeline, and required documentation.
4. Adjuster Inspection
Your insurance company will assign an adjuster to inspect your property.
-
Schedule Promptly: Set a time that works for you.
-
Be Present: You’ll want to point out everything you documented.
-
Bring a Contractor: A qualified roofer can ensure nothing is missed or minimized.
5. Review the Claim and Scope of Work
After inspection, you’ll receive a claim decision and a “scope of work.”
6. Get Estimates
Collect at least 2–3 detailed estimates from reputable local contractors in Lexington and Central Kentucky.
-
Ensure estimates align with the insurance scope.
-
If there are discrepancies, your contractor can help submit supplements.
-
Choose a contractor experienced in insurance work.
7. Choose Your Contractor and Schedule Repairs
Pick the contractor you trust most.
-
Check Credentials: Licensed and insured in Kentucky.
-
Review the Contract: Scope, materials, timeline, payment schedule, warranties.
-
Understand Payments: Many checks are co-payable with your mortgage company.
8. Final Payment and Warranties
When the work is complete:
-
Inspect Thoroughly: Walk the job with your contractor before signing off.
-
Submit Completion Docs: Your contractor will request release of the final funds.
-
Collect Warranties: Manufacturer warranties and workmanship warranties.
Empowering Your Claim Journey
Roof insurance claims don’t have to feel overwhelming. By starting with a contractor inspection, documenting thoroughly, and understanding each step, you protect your home and avoid costly surprises.
If you’re in Lexington or anywhere in Central Kentucky and want help understanding your options—or just a second opinion—we’re here to help. No pressure. Just clarity.
Ready for peace of mind?
Call 859.300.0710
UnderCoverKY.com
Comments