What Documentation do I Need for a Successful Roofing Insurance Claim?

To ensure a successful roofing insurance claim in Louisiana, thorough documentation is the most critical component. Accurate records provide the necessary evidence for insurance adjusters to evaluate the full extent of the damage.

According to the provided guide, you should gather the following documentation:

  • Detailed Photos and Notes: Begin by documenting all visible damage immediately after the storm.
  • Drone and High-Resolution Imagery: Professional inspections often use drone technology to capture high-resolution photos of damage that might be missed from the ground, providing a more comprehensive view of the roof’s condition.
  • Professional Inspection Reports: A formal report from a storm damage inspection should compile every detail of the damage, including shingle compromises and leaks.
  • Attic Checks: Documentation should include findings from interior attic inspections to identify hidden structural issues or leaks.
  • Industry-Standard Evidence: Aligning documentation with standards such as the Insurance Institute for Business & Home Safety (IBHS) guidelines for hail and wind damage can significantly strengthen a claim.
  • Estimate of Repairs: You will need a professional estimate that aligns with standard insurance scopes for the necessary repairs or replacement work.
  • Contractor Licensing: Ensure you have the details of your chosen contractor, as Louisiana law requires them to hold a valid roofing contractor license.

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