When a storm rolls through Huntsville and your roof takes the hit, your first instinct might be to call your insurance company. But navigating a roofing insurance claim in Alabama isn’t always as simple as it seems. There are things most homeowners aren’t told—until it’s too late.
At 1 Stop Roofing and Exteriors, we’ve helped countless homeowners in Huntsville and the surrounding areas recover from storm, hail, and wind damage. Here’s what you need to know before filing your next claim.
Not All Roof Damage Is Covered
Many homeowners assume that any roof issue after a storm is covered—but that’s not always true. Insurance typically covers sudden, accidental damage like hail, fallen trees, or high winds. General wear and tear, aging, or maintenance issues usually aren’t included.
📌 Tip: Always have photos of your roof before and after a storm to help document the difference in condition.
Your Adjuster Isn’t a Roofer
Insurance adjusters evaluate all kinds of claims—not just roofing—and may miss hidden damage or underestimate repair needs. That’s why it’s important to have a qualified roofing expert on your side to thoroughly inspect the damage and provide an accurate assessment.
👷♂️ At 1 Stop Roofing, we’ll meet with your adjuster and advocate for a proper inspection and fair claim.
Delays Can Cost You
Insurance policies often include time limits for reporting damage. Waiting too long to act—even if the signs of damage aren’t immediately obvious—can result in a denied claim.
⏳ If your roof has been exposed to hail, wind, or falling debris, don’t wait. Schedule an inspection right away.
You Can Choose Your Own Contractor
Some insurance companies try to steer homeowners toward their “preferred vendors,” but you have the legal right to choose your own roofing company. The contractor working on your home should be someone you trust—not someone chosen to save the insurance company money.
🏠 We work for you, not your insurance company. Our goal is quality repairs that protect your home, not shortcuts.
Full Roof Replacements May Be Covered
Many homeowners don’t realize that a full roof replacement—rather than a simple repair—can be justified after major storm damage. With proper documentation and support from a licensed roofer, you may qualify for full coverage under your policy.
📋 We’ll provide detailed documentation, photos, and expert guidance to help you get the coverage you deserve.
We’re Here to Help Huntsville Homeowners Every Step of the Way
Filing a claim doesn’t have to be overwhelming. At 1 Stop Roofing and Exteriors, we’ve walked through the process with hundreds of homeowners across North Alabama. We’ll inspect your roof, meet with your adjuster, and handle the paperwork—so you don’t have to go it alone.
