Roof Insurance Claims 101: What Hickory, NC Homeowners Need to Know
Dealing with roof damage after a storm or sudden event can be stressful enough without having to untangle the complexities of insurance claims. If you live in Hickory, NC or nearby, understanding the roof insurance claim process could save you thousands—and help you avoid unnecessary frustration.
Whether you're dealing with hail, wind, or tree damage, this guide will walk you through what’s covered, what steps to take, and how to ensure you get the most out of your policy.
Is Roof Damage Covered by Insurance?
Most homeowner’s insurance policies do cover roof damage caused by sudden, accidental events like hailstorms, wind, or falling debris. However, they typically don’t cover normal wear and tear, aging materials, or lack of maintenance.
💡 Pro Tip: If your asphalt shingle roof is more than 20 years old, insurance may only pay out actual cash value instead of full replacement cost. Always check your policy details.
5 Steps to File a Roof Insurance Claim in Hickory, NC
Assess and Document the Damage
After a storm, safely inspect your property and take photos or videos of any visible roof damage, fallen branches, missing shingles, or interior leaks.
Schedule a FREE Roof Inspection
Before filing a claim, call a local roofing contractor in Hickory NC (like us!) to perform a professional inspection. We’ll document the damage in a way that supports your claim.
Contact Your Insurance Company
Once the damage is confirmed, file your claim and request a date for the adjuster to come inspect the roof.
Meet the Adjuster with Your Contractor
We’ll meet with the adjuster on your behalf to make sure all damage is properly documented and nothing is missed. This can significantly increase your chances of approval.
Review the Claim Approval & Schedule Repairs
After your claim is approved, we’ll help you review the paperwork and begin the roof replacement or repair using CertainTeed asphalt shingles—known for their quality and durability.
Why Work with a Roofing Company That Knows Insurance?
Not all roofing contractors are experienced with the insurance process. At Catawba Valley Roofing, we help guide you from start to finish so you’re never left guessing what to do next. We specialize in both insurance and retail roofing in Hickory NC, and we only use high-quality asphalt shingles.
Benefits of working with us:
✅ We handle the paperwork
✅ We meet with your insurance adjuster
✅ We explain your claim clearly
✅ We fight for full coverage when appropriate
✅ We install long-lasting CertainTeed shingles
Call Us for a FREE Inspection
If you’ve recently experienced storm damage or suspect a roofing issue, don’t wait. Let our expert team help guide you through the insurance process—from inspection to installation.
Call us at (828) 962-0617 for a FREE roof inspection.
Service Areas in North Carolina: Hickory, Conover, Newton, Maiden, Catawba, Claremont, Taylorsville, Valdese, Morganton, Lenoir, Lincolnton, Denver, Gastonia, Shelby, Huntersville, Cornelius, Mooresville, Statesville
Citations
Investopedia. “Does Homeowners Insurance Cover Roof Replacement?”
https://www.investopedia.com/ask/answers/111815/does-homeowners-insurance-cover-roof-replacement.asp
CertainTeed. “Why Choose CertainTeed Shingles?”
https://www.certainteed.com