Storm Damage Insurance Claim Assistant

Free tool to document storm damage for your insurance claim. Generate a printable report with official NWS weather data, a damage worksheet, and a photo checklist, ready to hand to your adjuster.

Generate Your Claim Documentation Package

The date the storm occurred (we'll pull official NWS data for this date)

Establishing timeline between storm and discovery strengthens your claim

Pulls official NWS local storm reports near your address, plus a photo checklist, damage worksheet, and timeline documentation. 100% free, no email required.

Why Use This Tool

Adjusters Approve What They Can Verify

Insurance adjusters need proof that storm damage is recent, caused by a specific event, and meets the claim threshold. This tool generates a professional documentation package that includes:

  • Official National Weather Service data for your address and storm date
  • Documented hail size and wind speed from government reports
  • Photo documentation checklist showing exactly what to photograph
  • Damage assessment worksheet organized by roof section
  • Timeline establishing causation (storm date vs. discovery date)

Why the First 48 Hours Matter

Adjusters weigh fresh, dated evidence heavily. Damage documented in the first days after a storm, with dated photos and official weather reports, is far harder to dispute than a claim filed weeks later with no records.

Insurers can also deny claims when late reporting made the damage worse, so the clock matters twice.

After You Generate

From Report to Approved Claim

01

Download the report

Or print it to PDF, and save it with your other claim documents.

02

Follow the photo checklist

Document all visible damage, within 48 hours if possible.

03

Get a professional inspection

Our free photo-documented inspections attach to your claim as evidence.

04

File and meet the adjuster

Attach the report and photos, then present the documented timeline showing the damage correlates with the storm date.

FAQ

Common Insurance Claim Questions

How soon after a storm should I file a claim?
File within 7-30 days of the storm. Most Indiana homeowner policies require prompt notification (typically 30-60 days), but filing sooner strengthens your claim by establishing a clear timeline between storm event and damage discovery.
What if I'm not sure the damage is from the storm?
Get a professional inspection first. We'll assess whether damage patterns match storm impact (random distribution, fresh impacts) vs. aging (uniform deterioration, old granule loss). Filing a frivolous claim can hurt your insurance history, so verify damage is claimable before filing.
Will my insurance go up if I file a claim?
Weather-related claims (hail, wind, tornado) are categorized differently than liability or fire claims. In Indiana, insurers CAN increase premiums after storm claims, but many don't for a single claim if you have no prior claim history. Ask your agent about your specific policy's claim impact before filing.
What photos do I need to take?
The generated report includes the complete photo checklist. Key shots: an overview of the entire roof from the ground on all four sides, close-ups of hail dents on shingles, damaged flashing, vents, and penetrations, impact marks on metal (gutters, downspouts, vents) proving hail hit, and any interior water damage or ceiling stains. Timestamp every photo; most phones do this automatically.
Can a contractor help with my claim?
Yes. We provide free photo-documented inspections specifically formatted for insurance claims, and we can be present during the adjuster's inspection to ensure all damage is documented. We will not "waive your deductible" (illegal), inflate damage, or pressure you to file claims that aren't justified. Honest documentation is what gets claims approved.
Free Inspection

Need professional documentation?

Free storm damage inspections with photo documentation accepted by all major insurers, written reports detailing impact locations, and an honest read on whether the damage meets claim thresholds.

(317) 760-2666Price My Roof