When Storm Damage Hits Your Long Island Roof and You Need to File a Claim

So your roof just took a beating from that last storm. Now you're dealing with two problems at once: getting repairs done fast and figuring out the insurance side of things. Not fun. 

 

 

Here's how to handle both without losing your mind. 

Get Someone Out There Fast 

Water doesn't wait. Rain coming through damaged shingles, ice dams backing up under your roofing, whatever it is. The longer you sit on it, the worse things get. And here's something most people don't realize: your insurance probably covers Emergency Roofing Services Long Island repairs even before the claim gets fully processed. 

 

Call a roofer first. Universal Roofing and Chimney has been owner-operated for over 20 years, and they've seen nearly every storm damage scenario that Long Island can throw at a roof. They'll do temporary fixes like tarping or emergency patches to stop water from getting inside while you sort out the paperwork. 

 

One thing, though. Don't go climbing up there yourself trying to assess damage. Let the pros handle it. They'll document everything properly, which actually helps your claim later. 

Dealing with Your Insurance Company 

Grab your policy number before you call. Sounds obvious, but people forget in the chaos. Insurance companies have deadlines for filing claims, and they're not flexible about it. Miss the window, and you're stuck covering everything yourself. 

 

When you're on the phone, tell them exactly what happened. What day, what kind of damage, what have you done so far? Keep it factual. Don't guess at stuff you're not sure about. 

 

Here's a tip that saves headaches: while you're waiting for the adjuster, get a couple of estimates from local companies that do Gutter Repair Long Island work and roofing. If the insurance offer comes in low, you've got something to push back with. And try to be there when the adjuster shows up. Bring your roofer if you can. Makes a difference. 

Keep Track of Everything 

Photos. Receipts. Names of everyone you talked to and when. Write it down somewhere you won't lose it. 

 

Claims get denied sometimes. Happens. But if you've got solid documentation, an appeal usually works. The contractors around here deal with insurance companies constantly. They know what adjusters want to see and how coastal weather affects roofs differently than inland areas. 

 

Nobody wants to deal with roof damage and insurance paperwork at the same time. But staying organized and moving quickly keeps a bad situation from getting worse.

 

Find to our google map location:-