How to File an Insurance Claim for Roof Damage in Ohio

Ohio weather can be unpredictable. One week it’s calm and sunny, and the next, a storm rolls through with heavy rain, hail, or strong winds. If your roof takes a hit, knowing what to do next can save you time, stress, and money.

At American Way Exteriors, we’ve walked hundreds of homeowners through the insurance claim process. It’s not as complicated as it sounds once you know the right steps — and having the right contractor in your corner makes all the difference.

1. Take a Look Around — Safely

After a storm, do a quick visual check around your property. You don’t need to climb up on the roof — just walk around your home and look for anything out of place.

You might notice:

• Shingles lying in the yard
• Dents in gutters or downspouts
• Pieces of flashing or metal
• Leaks inside your home or water spots on the ceiling

Even small signs can point to bigger issues. Roof damage isn’t always easy to spot, so bringing in a professional for a full inspection is usually the best move.

2. Document What You See

Grab your phone and start taking pictures. Snap clear photos of any damage you can see — outside and inside. If you can, jot down the date and time of the storm and what you noticed afterward.

This record helps when you file your claim, and it gives your insurance company a better idea of the situation.

3. Schedule a Professional Roof Inspection

Before you contact your insurance company, it’s smart to have a trusted Ohio roofing contractor check out the damage. A detailed inspection report will give you an honest look at what’s really going on and what it might take to fix it.

Our team at American Way Exteriors provides thorough inspections and can be there when your insurance adjuster visits. That way, nothing gets overlooked, and your claim accurately reflects the damage.

4. File Your Insurance Claim

Once you’ve got your documentation and inspection report ready, reach out to your insurance company. Let them know about the storm, what kind of damage you believe you have, and when it happened.

They’ll open a claim and schedule an adjuster to come out. This is where having a roofer who understands the process comes in handy. We work with adjusters all the time and can help make sure they see everything that needs attention.

5. Review the Estimate and Move Forward

After your adjuster’s visit, your insurance company will send an estimate. It’s always a good idea to compare their numbers with your roofer’s estimate to make sure everything lines up.

At American Way Exteriors, we review every detail with you so you understand exactly what’s covered, what’s not, and how to move forward. Once your claim is approved, we’ll schedule the work and take care of the repairs from start to finish.

Why Homeowners in Ohio Choose American Way Exteriors

We’re here to help you feel confident in your home again.

Here’s what sets us apart:

• We know how Ohio weather affects roofs — we’ve seen it all.
• We’re licensed, bonded, and fully insured.
• We work with all major insurance carriers.
• We use quality materials designed to last, from Owens Corning to Brava Roofing.
• We stay in touch every step of the way, so you’re never left wondering what’s next.

Final Thoughts

Filing an insurance claim for roof damage might sound stressful, but it doesn’t have to be. With a little organization and the right roofing company by your side, the process can go smoothly — and you can get your roof back in top shape faster than you think.

If you’ve had storm damage or just aren’t sure what your next step should be, reach out to American Way Exteriors. We’re proud to serve homeowners all across Ohio, and we’re always here to help with inspections, estimates, and claim support.

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