Essential First Steps in Filing Roof Repair Insurance Claims

By Stacy Mellete

Hurricanes are common in Florida, particularly during fall. Luckily, most modern roofing systems are designed to withstand hurricane winds and heavy downpours with little or no lasting effect.

Occasionally, however, some homes might find their roofs have some serious storm damage as soon as the skies clear. For these situations, it’s always a good idea to have homeowner’s insurance to cover repairs or replacement.

The process of filing an insurance claim for a storm-damaged roof can be a little confusing, especially for homeowners who are doing it the first time.

Let our experienced local roofing contractors at Affordable Roofing Systems walk you through the process and help you get your roof back in top condition.

Make Sure the Coast Is Clear

It’s tempting to go outside to check your roof yourself after you call your roofing contractor for storm damage restoration. However, don’t do so unless the authorities have given your area the all-clear.  Wait for the storm to pass before you check on your roof to minimize any risk of accidents or injuries.

Check Your Policy

Double-check your insurance coverage for storm damage even before you start your policy. Some providers might not cover hurricane damage depending on certain conditions. It’s best to clear this up with your provider immediately at the start of your coverage.

Call Your Local Roofer

The days following a storm can be a busy time for your local residential and metal roofing company. Make sure you schedule a full inspection as soon as the weather calms down to determine the extent of the damage on your roof.

Document Everything

As soon as the skies clear up, give your exteriors a quick walkthrough and check for any visible damage. Don’t forget to take photographs of any of the effects left behind by the storm. This documentation can help you when filing a claim for roof repairs or replacement.

At Affordable Roofing Systems, we’re more than happy to help you with your storm damage insurance claims every step of the way.

Give us a call at (813) 542-8462 or fill out our contact form to schedule a consultation and request a free estimate today. We serve homeowners in Tampa and St. Petersburg, as well as other nearby FL communities.

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Our Roofing Solutions

Your roof has an important job to do to keep your home dry, but it can also be an impressive home feature.


Our stone coated steel roofing system is available in a wide range of styles including Tile, Shake, Slate, and Shingle, and in a variety of colors. We’ll help you to choose one that will fit your home’s style and your budget.


As the most-used roofing type across North America, asphalt strikes a balance between price and durability, with a life expectancy of up to 20. Shingles are available for those who want affordable, genuine slate roofing.


Tile roofs offer unparalleled value when cost per year of use is factored in. While upfront costs are higher, customers who choose a clay or concrete tile roof will enjoy the aesthetics and quality for a lifetime.


Metal roofs today come in a wide array of colors and finishes. Innovations in metal roofing technology have significantly enhanced the performance of metal roofs.

TPO Membrane

TPO can be installed to any scale with some of the world’s largest building utilizing TPO roofing systems – it comes in strips typically 8ft 10ft and 12ft wide that are heat welded on site.

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