How to File a Storm Damage Roof Insurance Claim for Your Roof in Baltimore

A Step-by-Step Guide for Property Owners

When severe weather hits Baltimore, your roof often takes the brunt of the damage. From high winds and hail to heavy rain and fallen debris, storms can cause costly roofing issues—and if left unaddressed, they can lead to leaks, mold, and structural damage. That’s why knowing how to file a storm damage insurance claim is essential.

At CraftMasters Remodeling, we’ve helped countless Baltimore homeowners and business owners restore their properties after storm events. This step-by-step guide breaks down how to navigate the roofing insurance claim process efficiently and successfully.

Step 1: Inspect Your Roof Safely

Before you do anything, prioritize safety. After a storm, do a visual inspection from the ground or through upper windows. Look for signs such as:

Missing or curled shingles
Sagging areas or visible punctures
Debris, tree limbs, or hail dents
Water stains on ceilings or walls

Avoid climbing on the roof—leave that to the professionals. If you suspect damage, move to Step 2.

Step 2: Document the Damage Thoroughly

Insurance companies need proof. The more documentation you can provide, the smoother your claim process will be.

Take clear photos or videos of all visible damage (roof, gutters, siding, interior ceilings)
Make notes of the date and time the storm occurred
Save any local weather alerts or news confirming the storm conditions

Tip: It’s helpful to keep “before” photos of your property on file as well.

Step 3: Contact a Professional Roofing Contractor

Reach out to a trusted, local roofing company—like CraftMasters Remodeling—for a free storm damage inspection. We’ll assess the extent of the damage and give you a detailed report, which you can submit to your insurance provider.

Why choose a contractor first?
Most reputable contractors know how to speak the insurer’s language and will advocate for a fair assessment and full coverage.

Step 4: File the Insurance Claim

Contact your insurance company to start the claim. Be ready to provide:

Your policy number
The date and details of the storm
The damage report and any documentation you’ve gathered
The contractor’s assessment, if available

You’ll likely be assigned a claims adjuster who will schedule a property inspection.

Step 5: Meet With the Insurance Adjuster

Your adjuster will visit your property to verify the claim. This is where it helps to have your contractor present—they can point out hidden damage and ensure the adjuster doesn’t overlook anything.

At CraftMasters, we regularly meet with adjusters on behalf of our clients to ensure accurate evaluations.

Step 6: Review the Claim Estimate

Once your insurance company processes the inspection, they’ll send you a claim estimate outlining what’s covered. Review this carefully with your contractor to confirm:

All damage is accounted for
Repair costs align with current labor and materials
There are no unreasonable exclusions

If the estimate is lower than expected, you can appeal or provide supplemental documentation.

Step 7: Begin Repairs with a Trusted Contractor

Once the claim is approved, it’s time to schedule the repairs. Make sure your contractor:

Is licensed and insured
Provides a detailed scope of work
Communicates clearly about timelines and warranties

CraftMasters Remodeling offers no-money-down options and a price-match guarantee to ensure you get quality service with peace of mind.

Final Tip: Act Quickly to Avoid More Damage

Delaying repairs can lead to more severe issues, especially during Baltimore’s unpredictable weather seasons. Most insurance policies have a deadline for filing claims after storm damage, so don’t wait.

Need Help With Your Roofing Insurance Claim in Baltimore?

At CraftMasters Remodeling, we’ve been helping Baltimore property owners restore storm-damaged roofs since 1976. We’ll walk you through every step of the process—from inspection to insurance claim support to final repairs.

📞 Call us today for a free storm damage inspection or
📩 Contact us online to schedule your assessment.

How to File a Storm Damage Insurance Claim for Your Roof in Baltimore — A Step-by-Step Guide for Property Owners