Roof storm damage help for Greensboro and the Piedmont Triad

Most homeowners policies cover sudden wind and hail damage, subject to your deductible, which may be a separate wind/hail deductible. Wear and age are generally not covered, and some policies pay only actual cash value on older roofs. How claims work.

Stay safe, photograph the damage before cleanup, cover openings with a tarp, check your deductible, then call your insurer. Photo checklist.

Usually your own homeowners insurance, even if it was the neighbor's tree, when wind or another covered peril knocked it down. Tree on roof.

Only you, or a licensed public adjuster you hire, should negotiate the claim itself; ask any contractor who offers to do it whether they hold a public adjuster license.

North Carolina has no separate state license for roofers on smaller jobs. A general contractor license from the NC Licensing Board for General Contractors is required when the total cost of a project is $40,000 or more (G.S. 87-1), and roofing work at that size falls under the board's building, residential, or specialty roofing classifications. Below that amount, ask for proof of liability insurance and workers' compensation, and check the local building permit office. License lookup.