Storm Claim Notes
A storm claim is mostly arithmetic: a deductible set as a percentage of the dwelling limit, a scope that decides how much roof gets replaced, and a payment schedule that depends on the roof's age. These guides work through each one with charts and worked examples, so you know the numbers before the adjuster arrives.
Guides
Wind and hail percentage deductibles: what 2% really costs on a $400,000 houseMost homeowners know their deductible as a single number: $1,000, maybe $2,500. Then a hailstorm comes through, the roofer says the whole roof needs…
Roof claims and the matching problem: when a few damaged shingles mean a new roof, and when they don'tHail hits a neighborhood. The adjuster walks your roof, marks six squares of damaged shingles on the south slope, and writes an estimate to repair those…
The five numbers on a storm claim
| Item | What decides it |
|---|---|
| Deductible | Percentage of the dwelling limit, not of the damage |
| Scope | Damaged area, whole slope, or whole roof |
| Roof age | May switch payment to ACV or a schedule |
| Cosmetic damage | Dents without leaks may be excluded |
| Matching | Depends on state rules and policy endorsements |