Filing a roof insurance claim after storm damage in Idaho can be confusing — and if done incorrectly, you can leave thousands of dollars in coverage on the table. This guide walks you through every step of the process.
Step 1: Document the Damage Immediately
Take photos and video of any visible damage — from the ground if you can’t safely access the roof. Date-stamp everything. Also document damage to gutters, siding, HVAC equipment, and decking, as these support your claim.
Step 2: Call Your Insurance Company
Contact your insurer’s claims line as soon as possible. Idaho homeowners insurance policies have claim filing deadlines — don’t wait. Describe the storm event and your observed damage.
Step 3: Get a Professional Inspection
Before your adjuster arrives, have a qualified roofing contractor inspect and document all damage. Their report provides the professional evidence that strengthens your claim. Our free inspections include insurance-ready documentation.
Step 4: Meet the Adjuster — With Your Contractor
Having your roofing contractor present when the insurance adjuster visits is one of the most valuable things you can do. Our team has extensive experience identifying damage that adjusters sometimes miss, and we know exactly what documentation is required.
Step 5: Review the Estimate Carefully
Compare the insurance company’s scope of work against your contractor’s damage report. If items are missing, your contractor can file a supplement to correct the estimate.
Need help with a claim? Our insurance claim specialists guide you through every step at no additional cost. Schedule your free inspection or call (208) 545-8226.
Sources: Idaho Department of Insurance | Insurance Information Institute