Storm Damage Roof ReplacementWhen Repair Isn't Enough

In most cases, yes. If the adjuster determines that storm damage has compromised the roof's integrity beyond repair, insurance typically covers full replacement minus your deductible. We work directly with adjusters to document all damage thoroughly and ensure you receive fair compensation. Factors include: the extent of damage, your policy type (ACV vs RCV), roof age, and your deductible amount.

Generally, replacement is needed when: damage affects more than 30% of the roof surface, structural components (decking, rafters) are compromised, the roof was already near end-of-life before the storm, or repair costs exceed 50% of replacement cost. Our free inspection will give you a clear recommendation—we never push replacement when repair is the better option.

As soon as safely possible, ideally within 24-48 hours. Many insurance policies have time limits for filing claims (often 1 year, but check your policy). Additionally, undetected damage can worsen over time, leading to leaks, mold, and structural issues. Call (843) 877-5539 for rapid post-storm inspections.

This happens frequently. Insurance adjusters aren't roofing experts and may miss damage. We document all damage comprehensively and can file a supplemental claim with additional evidence. In many cases, we've helped homeowners get full replacement approved after an initial repair-only estimate.

Absolutely. Your insurance company cannot require you to use a specific contractor. In fact, choosing a local, reputable contractor like Weather Shield ensures quality work and proper documentation. Beware of "storm chasers" who appear after storms offering cheap work—they often disappear after collecting payment.

Once insurance approval is received and materials are ordered, most residential roof replacements take 1-3 days. However, after major storms, there may be delays due to high demand. We prioritize customers based on damage severity—active leaks and structural issues get fastest response.

Yes! Insurance covers replacement with "like kind and quality" materials, but you can pay the difference to upgrade. This is an excellent opportunity to install impact-resistant shingles (which may lower future premiums), metal roofing, or other premium materials. Ask us about upgrade options during your inspection.

Key documents include: photos/videos of damage (dated), your policy number and coverage details, a contractor's inspection report (we provide this), any emergency repair receipts, and a detailed replacement estimate. We handle most of this documentation as part of our insurance claim assistance service.