The Homeowner’s Pre-Claim Checklist: What to Do Before Filing a Roofing Insurance Claim

Why Preparation Matters

Filing a roofing insurance claim can feel overwhelming, especially after a Texas storm. Between the stress of roof damage, confusing paperwork, and trying to find a trustworthy contractor, it’s easy to rush the process and make mistakes that cost you time and money.

At Fine Finish Construction, we’ve helped hundreds of Central Texas homeowners navigate the insurance process successfully. The key is preparation, knowing what to do before you ever pick up the phone to file a claim.

A few hours of prep now can save weeks of frustration later. Here’s your step-by-step checklist to make sure you have everything ready to file a claim, speak with your adjuster and give you the best chance to ensure your home gets the protection it deserves.

Step 1: Document the Damage Thoroughly

Your insurance company will rely on clear, dated evidence to evaluate your claim, so the more proof you have, the stronger your case.

How to document effectively:

• Take photos and short videos from every angle of your roof, yard, and home exterior.

• Include close-ups of missing shingles, granule loss, flashing damage, or dents in gutters and vents.

• Don’t forget the inside: photograph ceiling stains, attic leaks, or water damage inside your home.

• Make sure your camera automatically records the date and time (most smartphones do this).

• If possible, use a drone inspection or hire a professional roofing company like Fine Finish Construction for a comprehensive inspection report.

Pro Tip: Don’t throw away damaged shingles or materials until your adjuster has seen them in person.

Step 2: Protect Your Property Temporarily

Insurance policies require homeowners to prevent additional damage after a loss. This means acting quickly to cover or stabilize problem areas.

You can:

• Tarp any exposed sections of your roof.

• Remove debris like fallen branches.

• Cover broken skylights or vents with heavy-duty plastic.

• Clear gutters and downspouts to prevent interior leaks.

Save every receipt for tarps, plywood, or emergency labor, your insurer may reimburse these costs.

At Fine Finish Construction, our team provides same-day emergency tarping and damage control throughout Austin and Central Texas. We’ll make sure your property stays protected while you prepare your claim.

Step 3: Contact a Trusted Roofing Contractor Before the Adjuster Visit

Here’s a mistake we see all too often: homeowners call the insurance company first, only to have an adjuster inspect the roof without a professional roofer present. Unfortunately, that can lead to overlooked damage and not having all aspects of your home repaired.

By bringing in a contractor first, you ensure that an expert is advocating for your home from the start.

Ask your roofer:

• Are you licensed and insured in Texas?

• Do you have experience with insurance claims?

• Can you provide detailed inspection photos and a written estimate?

Avoid any contractor who:

• Promises to “waive your deductible” (that’s illegal in Texas).

• Pushes you to sign paperwork immediately.

• Can’t show local references or proof of insurance.

At Fine Finish Construction, our process is simple: we perform a no-cost roof inspection, create a clear report with an explanation of damage to include pictures and notes, and guide you through each step of the claim with no pressure and no surprises.

Step 4: Coordinate with Your Insurance Adjuster

Your insurance adjuster’s job is to assess the scope of the damage and determine coverage. A little preparation goes a long way here.

Before the inspection:

• Organize your photos, videos, and receipts.

• Have your contractor’s inspection report printed or ready to share.

• Schedule your contractor to be present during the adjuster visit, they can point out damage the adjuster might otherwise miss.

During the inspection:

• Walk the property with your adjuster and contractor.

• Take notes on what’s being discussed or marked.

• Ask these questions:

  • “Can you explain how you determine repair vs. replacement?”

  • “How long will it take to receive my estimate?”

  • “Is there any documentation I should send now?”

Afterward, compare your adjuster’s summary with your contractor’s report to ensure all legitimate damage was included.

Step 5: Gather Estimates and Backup Documentation

Insurance companies appreciate organized homeowners. Having your paperwork together makes it easier for them to process your claim quickly and fairly.

Gather:

• Written repair or replacement proposals and estimates (ideally from a reputable local roofer).

• Photo and video evidence.

• The inspection report from your roofing contractor.

• Receipts for temporary protection or repairs.

Submitting a complete, well-documented claim can dramatically improve your approval odds and reduce back-and-forth with your insurer.

Remember: you’re not required to choose the cheapest bid. You can select the contractor you trust most, as long as the scope of work matches what’s covered.

Step 6: Avoid These Common Pitfalls

Even well-intentioned homeowners make mistakes that delay or derail claims. Here’s what to watch for:

Waiting too long to file. Most insurance policies limit the time you have after a storm, typically within 6–12 months.

Starting repairs before the inspection. Only do temporary protection work until the adjuster verifies damage.

Discarding damaged materials too soon. Adjusters often need to inspect them for evidence.

Signing an “Assignment of Benefits” (AOB) without reading the fine print, it can give a contractor full control over your claim and payments.

Working with out-of-town “storm chasers.” Stick with verified, local professionals who stand by their work.

Fine Finish Construction is proud to be Austin-based and Texas-strong, built on reputation, referrals, and craftsmanship, not high-pressure tactics.

Step 7: The Complete Pre-Claim Checklist

Here’s a simplified version you can use:

Pre-Claim Roofing Checklist

•  Take photos and videos of all damage (interior and exterior)

•  Record date and time of storm or incident

•  Apply temporary protection (tarp, cover openings)

•  Save all receipts for materials and emergency work

•  Schedule a professional roof inspection

•  Collect written estimates and inspection reports

•  Schedule the insurance adjuster visit (with your roofer present)

•  Prepare all documents for submission

•  File claim within your policy’s required timeframe

Step 8: Confidence Before the Call

When storms hit Central Texas, the aftermath can be stressful, but it doesn’t have to be chaotic. With the right preparation and the right partner, you can file your roofing insurance claim confidently and get your home back to perfect condition.

Fine Finish Construction has helped hundreds of homeowners across Austin, San Marcos, and the surrounding areas navigate insurance claims the right way. From inspection to installation, we handle every detail with integrity, craftsmanship, and care.

If you suspect roof damage, don’t wait.

Call us today or schedule your free inspection online at finefconstruction.com and let our team walk you through every step of the process, from documentation to claim approval.