Roof Insurance Claims 101: What Lake Norman NC Homeowners Need to Know
Storm damage can turn your peaceful Lake Norman view into a major headache, especially when your roof takes the hit. Between wind, hail, and fallen trees, roof damage is a common issue for homeowners in Cornelius, Mooresville, Huntersville, and the surrounding Lake Norman area. If you ever need to file a roof insurance claim, understanding the process ahead of time could save you stress and money.
Whether you are recovering from a major storm or just spotted shingles in your yard, this guide from Catawba Valley Roofing will help you navigate the roof insurance claim process with confidence.
Is Roof Damage Covered by Insurance?
Most standard homeowner’s insurance policies do cover roof damage caused by sudden accidental events like windstorms, hail, or fallen tree limbs. What they usually do not cover are problems due to age, lack of maintenance, or general wear and tear.
💡 Lake Norman Tip: If your roof is more than 20 years old, your insurance company may only reimburse you for its actual cash value rather than the full replacement cost. Be sure to check the details of your policy.
5 Steps to File a Roof Insurance Claim in Lake Norman NC
1. Assess and Document the Damage
After a storm, walk around your home and look for visible signs of damage. Take clear photos or videos of any missing shingles, dented gutters, fallen branches, or water spots inside your home.
2. Schedule a FREE Roof Inspection
Before filing a claim, contact Catawba Valley Roofing for a professional inspection. We will document all damage thoroughly and give you an honest assessment to support your claim.
3. File Your Claim
If damage is confirmed, contact your insurance company and start the claims process. They will assign an adjuster to inspect your roof.
4. Meet the Adjuster with Catawba Valley Roofing
We meet with your insurance adjuster to make sure all damage is noted and properly assessed. This can make a big difference in getting the full coverage you deserve.
5. Review the Approval and Start Repairs
Once your claim is approved, we will go over the paperwork with you and get started on repairs or a full roof replacement. We use CertainTeed asphalt shingles known for their quality and durability.
Why Choose a Roofing Company That Understands Insurance?
At Catawba Valley Roofing, we are not just experienced roofers. We know the insurance process inside and out. We guide you through every step, from the first inspection to the final nail.
Here is what you get when you work with us
✅ Free roof inspections
✅ Claim support from start to finish
✅ We meet with your adjuster
✅ We help maximize your claim
✅ We install durable, high-quality CertainTeed shingles
Serving Lake Norman and Surrounding Areas
We proudly serve homeowners in:
Mooresville, Cornelius, Davidson, Huntersville, Denver, Sherrills Ford, Terrell, Troutman, and nearby communities.
Call Catawba Valley Roofing for a FREE Inspection
If you think your roof may have storm damage or want to be ready before hurricane season, do not wait. Let Catawba Valley Roofing handle your inspection and help you through the insurance process.
📞 Call us at (828) 962-0617 to schedule your free roof inspection today.
Citations
Investopedia. “Does Homeowners Insurance Cover Roof Replacement?”
https://www.investopedia.com/ask/answers/111815/does-homeowners-insurance-cover-roof-replacement.asp
National Association of Insurance Commissioners. “Homeowners Insurance Guide.”
https://content.naic.org/consumer-homeowners-insurance
CertainTeed. “Why Choose CertainTeed Shingles?”
https://www.certainteed.com
Insurance Information Institute. “Filing a Homeowners Insurance Claim.”
https://www.iii.org/article/how-file-homeowners-insurance-claim