We get it—dealing with storm damage is stressful enough. Add the insurance process on top of it, and it can feel overwhelming. But here’s the good news: you don’t have to go it alone.
At BC Exteriors, we’ve helped hundreds of homeowners across Southeast and Mid-Michigan walk through the storm damage insurance process with confidence and clarity. Whether your roof was hit by hail, high winds, or falling debris, we’re here to help you understand what comes next—and how to make sure your home is protected and your claim is handled the right way.
If you’re wondering what to expect after your roof takes a hit from a storm, here’s your step-by-step guide.
Step 1: Call a Local, Trusted Roofer First (Yes—Before You Call Insurance)
We know it sounds backward, but starting with a professional inspection from a reputable, local contractor like BC Exteriors can save you time and frustration.
Here’s why:
- Not all storm damage is visible from the ground.
- Some damage may not be severe enough to justify a claim.
- If you do need to file a claim, having a documented inspection helps validate it.
We’ll inspect your roof thoroughly, take detailed photos of the damage, and provide a clear report that you can give to your insurance adjuster. And if there’s no major damage? We’ll be honest about that too.
Step 2: File Your Insurance Claim
If our inspection shows storm damage that justifies a claim, the next step is to contact your insurance company. You’ll need to:
- Report the date and type of storm that caused the damage
- Provide a brief description of what was affected (roof, gutters, siding, etc.)
- Request a roof inspection and adjuster appointment
Most insurance providers will assign a claim number and send out an adjuster within a few days.
Helpful tip: If you’re not sure how to start the claim, we’re happy to walk you through it. We’ve worked with most major insurance providers in Michigan and can help you speak their language.
Step 3: Meet with the Insurance Adjuster
Once your insurance company schedules an inspection, we recommend having a BC Exteriors team member on-site when the adjuster arrives.
Why? Because:
- We can point out the damage we’ve already identified.
- We make sure nothing gets overlooked.
- We speak the adjuster’s language when it comes to roofing and codes.
This step is all about documentation and making sure the full extent of the damage is properly recognized. Having us there helps ensure your claim is fair and accurate from the start.
Step 4: Insurance Approval and Scope of Work
After the adjuster finishes the inspection, they’ll submit a report to the insurance company. If your claim is approved, your insurer will issue a scope of work—basically, a list of what they’re willing to cover.
This will include:
- A breakdown of materials and labor costs
- The amount they’re covering (minus your deductible)
- A timeline for disbursement of funds
We’ll review this with you and make sure it aligns with what your home actually needs. If anything is missing or undervalued, we’ll help submit a supplement request to get it corrected.
Step 5: Your New Roof—Done Right
Once everything is approved, it’s go time! We’ll get your project scheduled and walk you through the materials and process so you know exactly what to expect.
At BC Exteriors, we use high-quality products and work with experienced crews who take pride in what they do. Our goal is to make this as easy and stress-free as possible—so you can get back to enjoying your home.
Step 6: Final Inspection & Paperwork
After the work is complete, we’ll do a full walk-through with you and make sure everything meets our high standards—and yours. Once you’re happy with the job, we’ll submit any final documentation your insurance company needs to close out the claim.
And don’t worry—we’ll also give you everything you need for your records, including warranty info and a certificate of completion.
Even after the job is done, we’re here for you. Whether you have questions about the warranty, need follow-up service, or want us to inspect your roof after the next storm rolls through, we’re just a phone call away.
Let BC Exteriors Be Your Guide Through the Insurance Process
Storm damage is never convenient—but with the right team in your corner, it doesn’t have to be overwhelming. At BC Exteriors, we combine expert craftsmanship with clear communication, honest advice, and years of experience working with insurance companies in Michigan.
If you think your roof may have storm damage, call us at 248-688-0211 or visit our home page to schedule your free inspection today.
We’ll walk you through every step and make sure your home is protected—because that’s what neighbors do.