Homeowner’s Insurance: Step By Step Process For Replacing a Storm Damaged or Hail Damaged Roof

Indianapolis roof damage insurance claims include hail damage or wind

If your area was recently hit with a storm that caused damage to your roof, then it is essential that you begin an insurance claims process right away. While dealing with insurance companies can be a drag and let’s face it, no one want to deal with damages done to your home, don’t stress. Oscar Roofing is here to offer help with every step of your claim with our insurance claims expertise. We also provide inspections to make sure nothing is missed, we inspect all parts of  your house, including your roof, siding, gutters, windows and more.

The first step is to reach out to your insurance and:

  • File a claim

  • Schedule an appointment with your insurance for a claims adjuster to come out and inspect the damage

  • Consult with the claims adjuster and make sure all damage is reported

  • Fill out all the necessary paperwork

  • Review the loss summary report, this is the insurance company’s itemization for the required repairs and damage taken into account

  • Select the materials for the repair

  • Hire a roofing contractor to repair the home

Not Sure If You Have Any Roof Hail Damage? Schedule A Free Inspection

Think you have possible hail or storm damage and need restoration team services? Contact us for our certified, twenty point total roof inspection by one of our experienced roof inspectors, who will make sure to answer all your questions and assist you in starting the insurance roof claims process. Since 2003, we have been helping homeowners with their insurance claims and helping fix all types of hail damages, from whole roof renovations to small restorations. When working with every insurance hail company that services the Indianapolis area, we help homeowners restore their homes and look brand new.

Submit Your Hail Damage Claim To The Insurance Company

Contact your insurance agent to report the hail damage with the policy number and date of damage ready (the date the storm occurred). Your insurance specialist will guide you through the process and provide vital information, such as assigning a claim number to your case.

The Insurance Adjuster meeting

The adjuster assigned to your claim will contact you and schedule an appointment to assess the wind or hail damage of your home. Contact us immediately to have one of our project managers meet with you and the adjuster in order to represent you and make sure all proper damage and repairs are properly examined and documented. We will take photos and document everything. Our team of inspectors has plenty of experience meeting with insurance adjusters.

Review your claim report

Your insurance company will provide you with an itemized document report of all the damage areas found and the necessary repairs required the adjuster made note of during the inspection. Your insurance will also be providing one payment in the form of a check to begin the damage repairs or replacement process. Customers should keep in mind the first check amount will be for the repairs minus the depreciation and deductible amounts and will most likely be for less than expected

Authorized Work On Hail Restoration Can Begin

Once all items have been cleared and completed with your insurance company, we determine if the itemized repairs or replacements are in accordance with your home and to your best benefit. We can authorize repairs, sign the project contract and do begin the repair or replacement process right away.

Project Completion

Upon completion of the project(and making sure you are satisfied!) we send the final invoice to your insurance company for the depreciated amount that was withheld from the first check payment. The insurance will then release the second check payment to cover the remaining cost of the work that was performed. Final payment is then due to Oscar Roofing upon receipt of the second check. If there are any questions, do ask! We always explain the process in great detail and want to make sure there are no questions left unanswered.


Oscar Roofing welcomes all your hail damage questions. Give us a call at (317) 358-6625 or (812) 545-1381 or simply use our Contact Form to send us a message. Our Indianapolis restoration team is ready to help you no matter the hail, storm or wind damage. We provide roofing, siding, gutters, painting services and total exterior and interior renovations, including windows, doors and more.

Restoration Areas In Indiana We Serve:

  • Bloomington

  • Carmel

  • Ellettsville

  • Indianapolis

  • Kokomo

  • Lafayette

  • McCordsville

  • Noblesville