## Filing a Roof Insurance Claim in Alabama

Alabama ranks in the top 5 states for hail and wind damage claims. Here's how to handle the insurance process.

### Step 1: Document Everything

After a storm, photograph all visible damage from the ground. Note the date and time of the storm. Take wide shots and close-ups.

### Step 2: Get a Professional Inspection

Contact a licensed Alabama roofing contractor for a free inspection. They'll document damage you can't see from the ground and provide a detailed estimate.

### Step 3: Contact Your Insurance Company

File your claim promptly — most policies require notification within 60–90 days. Provide your photos, the contractor's report, and a description of the storm event.

### Step 4: Meet the Adjuster

Your insurance company will send an adjuster. **Have your roofing contractor present at this meeting.** A reputable contractor will advocate for full coverage and point out damage the adjuster might miss.

### Step 5: Review the Settlement

The insurance company will issue a settlement based on their assessment. If it seems low, your contractor can help you request a supplemental adjustment.

### Step 6: Complete Repairs

Once the claim is approved, your contractor will schedule the work. Most will handle the paperwork and may offer to work within the insurance settlement amount.

### Common Pitfalls to Avoid

- **Don't sign over your insurance benefits** to a contractor without understanding what you're signing
- **Don't pay the full amount upfront** — a deposit is normal, but payment should track with progress
- **Don't delay** — secondary storms can cause additional damage

### Finding Storm Damage Specialists

Use the Alabama Roofing Directory to find contractors who specialize in insurance claims and storm damage restoration.