Before you pick up the phone to call your insurance company, you need to do three things:

1. Ensure Immediate Safety

• Check for structural damage that could be dangerous

• Look for exposed electrical wires or damaged power lines

• If you smell gas, leave immediately and call the gas company

• Document any emergency repairs you need to make (like tarping) with photos​

2. Take Initial Photos Your phone is your best tool right now. Take photos of:

• Overall roof condition from multiple angles

• Close-ups of specific damage (missing shingles, dented gutters, cracked tiles)

• Interior damage (water stains, leaks, damaged insulation)

• Your entire property for context

• Debris in your yard that came from your roof

3. Check Your Policy Find your homeowner's insurance policy and note:

• Your deductible amount

• Your coverage limits

• Any exclusions that might apply

• Your policy number and agent's contact information

The Columbus Weather Factor

Columbus gets hit with specific types of storms that create predictable damage patterns:

Spring/Summer Hail Storms: Most common from April-August, especially in western suburbs like Dublin and Hilliard. Hail damage often isn't visible from the ground but can devastate your roof.​

Fall Wind Storms: September-November brings strong winds that can lift shingles, damage gutters, and blow off flashing around chimneys and vents.

Winter Ice Damage: Ice dams are common in older Columbus neighborhoods like German Village and Clintonville, where mature trees and older gutters create perfect conditions.

Know Your Risk Zone: Different areas of Columbus get different types of damage. We'll reference this throughout the guide.

What to Say (And What NOT to Say)

DO Say:

• "I'd like to report potential storm damage to my roof"

• "I have photos and documentation ready"

• "I need to schedule an adjuster inspection"

• Give factual descriptions: "I see missing shingles and dented gutters"

DON'T Say:

• "My roof is destroyed" (even if it looks bad)

• "I need a whole new roof" (let the adjuster determine this)

• "My neighbor got $15,000 for the same damage" (every claim is different)

• Don't agree to anything over the phone

Information They'll Ask For

Be ready with:

• Policy number

• Date and time of storm

• Type of storm (hail, wind, etc.)

• Description of damage

• Whether you've made any emergency repairs

• If anyone was injured

• If you have temporary housing needs

What Happens Next

The insurance company will:

1. Assign you a claim number (write this down!)

2. Schedule an adjuster inspection (usually within 3-7 days)

3. Send you claim paperwork to fill out

4. May recommend "preferred contractors" (you don't have to use them)

Before the Adjuster Arrives

Document Everything Again: Take new photos in good lighting, including:

• Wide shots showing the scope of damage

• Close-ups of specific problems

• Any new damage you've discovered

• Interior damage (water stains, damaged drywall, etc.)

• Comparison photos showing "before" condition if you have them

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Prepare Your Documentation:

• Print photos and organize them by area (roof, gutters, siding, interior)

• Gather receipts for any emergency repairs

• Find maintenance records showing your roof was in good condition

• Prepare a written list of all damage you've found

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Research Your Roof: Know basic facts:

• Age of your roof

• Type of materials (architectural shingles, metal, etc.)

• When it was last repaired or replaced

• Square footage (approximately)

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During the Adjuster Inspection

Be Present: Always be there during the inspection. Don't let them inspect alone.

Follow Them: Go on the roof if it's safe, or at least walk around the property pointing out damage.

Point Out Everything: Don't assume they'll see all the damage. Many adjusters rush through inspections.

Ask Questions:

• "What damage are you noting?"

• "Are you including this damage in your estimate?"

• "What's the process for additional damage I find later?"

• "When will I receive the estimate?"

Take Notes: Write down everything they say and do.

What Columbus Adjusters Often Miss

Based on our experience with local adjusters:

Gutter Damage: Often overlooked but expensive to replace flashing issues: Critical for preventing leaks but easy to miss granule loss: Hail damage isn't always obvious dents interior damage: Water damage can take days or weeks to appear code upgrades: Older Columbus homes may need updates when replaced

Understanding Your Insurance Estimate

Your estimate will include:

• Actual Cash Value (ACV): What they pay immediately (replacement cost minus depreciation)

• Recoverable Depreciation: What they'll pay after repairs are complete

• Deductible: What you pay out of pocket

Example: If repairs cost $10,000, your deductible is $1,000, and depreciation is $2,000:

• You get $7,000 initially

• You get $2,000 more after completing repairs

• You pay $1,000 deductible

Red Flags That Your Estimate is Too Low

Missing Items: Compare the estimate to your damage photos. Is everything included?

Unrealistic Pricing: Columbus roofing costs vary, but if the estimate seems way below local rates, it probably is.

Generic Descriptions: Good estimates specify materials, not just "repair roof."

No Interior Damage: If you had leaks, interior repairs should be included.

Getting a Second Opinion

This is where most Columbus homeowners make a mistake - they only get one contractor estimate.

Here's what you should do:

Get 2-3 Professional Estimates:

• Use licensed, insured Columbus contractors

• Make sure they inspect everything the adjuster noted

• Ask them to identify anything the adjuster missed

Compare Line by Line:

• Are the contractors seeing damage the adjuster missed?

• Are their prices significantly different?

• Do they recommend different materials or methods?

Insurance companies deny claims or underpay them all the time. In Ohio, you have rights, and there are specific steps you can take.

​Option 1: Request a Re-inspection

If you think the adjuster missed damage:

• Document what they missed with photos

• Get a contractor's opinion in writing

• Call your insurance company and request another inspection

• Be specific: "The adjuster missed hail damage on the north side of my roof"

Option 2: File a Formal Appeal

Ohio law requires insurance companies to have an appeals process:

• Request the appeals procedure in writing

• Submit all your documentation

• Include contractor estimates showing additional damage

• Set deadlines and follow up consistently

Option 3: Get a Public Adjuster

Public adjusters work for you, not the insurance company:

• They typically charge 10-15% of your final settlement

• Good option if your claim is large or complex

• Most useful when insurance is being unreasonable

• Interview several before choosing

Option 4: Know Your Legal Rights in Ohio

Ohio law protects homeowners:

• Insurance companies must handle claims in "good faith"

• They can't unreasonably delay or deny valid claims

• You may be entitled to attorney fees if they act in bad faith

• Consult with an attorney if you suspect bad faith

Columbus-Specific Resources

Ohio Department of Commerce - Division of Insurance

• File complaints against insurance companies

• Get help understanding your rights

• Free mediation services available

Local Insurance Attorneys

• Many work on contingency for bad faith cases

• Can review your claim for free

• Know Ohio insurance law specifics

Choosing the Right Columbus Contractor

Red Flags to Avoid:

• Door-to-door contractors (especially from out of state)

• Anyone asking you to sign over your insurance check

• Contractors who want to "eat your deductible"

• Anyone pressuring you to sign immediately

What to Look For:

• Local Columbus business with established reputation

• Proper Ohio licensing and insurance

• References from recent insurance claim work

• Transparent pricing and timeline

• Willing to work with your insurance company

How Good Contractors Help With Claims

The right contractor should:

• Document Additional Damage: Find things the adjuster missed

• Provide Detailed Estimates: Help you compare with insurance estimates

• Communicate with Insurance: Handle technical discussions about repairs

• Meet Code Requirements: Ensure repairs meet current Columbus building codes

• Handle Paperwork: Help with supplemental claims and change orders

The Repair Process with Insurance

Step 1: Choose your contractor and sign contract

Step 2: Contractor orders materials and schedules work
Step 3: Insurance releases initial payment (ACV)

Step 4: Work begins, contractor documents progress

Step 5: Any additional damage gets submitted as supplemental claim

Step 6: Work completes, final inspection occurs

Step 7: Insurance releases recoverable depreciation

Step 8: You pay contractor final amount

Understanding Columbus Weather Risks

Peak Storm Season: April through September

Hail Season: May through August (peak in June)

Wind Damage: Most common in fall and early spring

Ice Damage: December through February

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Neighborhood-Specific Risks

Western Suburbs (Dublin, Hilliard, Grove City):

• In the "hail alley" - get more frequent hail storms

• Newer construction, often better storm resistance

• Higher average claim values due to home values

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Historic Neighborhoods (German Village, Clintonville, Grandview):

• Older roofs more susceptible to wind damage

• Mature trees increase risk of falling branch damage

• Historic district restrictions may affect repair options

Northern Suburbs (Westerville, Powell, Delaware County):

• Mixed risk - some areas get more storms than others

• Rural areas may have slower emergency response

• Well water systems can be affected by power outages

Preparing for Next Storm Season

Annual Roof Inspections:

• Best done in early spring before storm season

• Document condition with photos

• Fix minor issues before they become big problems

• Keep maintenance records for insurance

Emergency Preparedness:

• Know how to shut off utilities

• Have emergency repair supplies (tarps, nails, etc.)

• Keep contractor contact information handy

• Take "before" photos of your property annually

Getting Every Dollar You're Entitled To

Don't Settle Too Quickly: Insurance companies often make low initial offers hoping you'll accept them.

Document Everything: The more documentation you have, the stronger your claim.

Understand Replacement Cost vs. Actual Cash Value: Make sure you know which type of coverage you have.

Don't Forget Interior Damage: Water damage from roof leaks should be covered.

Consider Code Upgrades: If your roof needs to be replaced, you may be entitled to code upgrade coverage.

Common Columbus Claim Mistakes

Mistake #1: Accepting the first estimate without question Solution: Always get contractor estimates to compare

Mistake #2: Not documenting additional damage found during repairs
Solution: Take photos and file supplemental claims

Mistake #3: Using contractors who don't understand insurance Solution: Work with contractors experienced in insurance claims

Mistake #4: Not reading the policy details Solution: Understand your coverage limits and exclusions

Mistake #5: Giving up after initial denial Solution: Use the appeals process and know your rights

Dealing with insurance claims after storm damage is complicated, but it doesn't have to be overwhelming. The key is preparation, documentation, and persistence.

Remember:

• Insurance companies work for their shareholders, not for you

• Documentation is your best tool

• You have rights under Ohio law

• Good contractors can be valuable allies in the process

• Don't give up if your initial claim is denied or underpaid

After the Work is Done

Final Inspection: Most insurance companies require a final inspection before releasing depreciation.

Warranty Documentation: Make sure you get warranties on both materials and workmanship.

Update Your Records: Keep all repair documentation for future reference.

Property Value Impact: Major roof replacement may affect your home's assessed value.​

Preventing Future Problems

Regular Maintenance: Annual inspections can prevent small problems from becoming big ones.

Gutter Cleaning: Especially important in Columbus with our mature tree canopy.

Attic Ventilation: Proper ventilation prevents ice dams and extends roof life.

Documentation: Keep photos and records of your roof's condition.