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Storm, hail and insurance guides

Plain-English guides for Greensboro and the Piedmont Triad homeowners, checked against official sources.

Storm Center tools

How often does hail hit the Piedmont Triad?Triad hail records from NOAA for Guilford, Forsyth, Alamance, Rockingham and Randolph since 2006: by county, month and year, plus the largest hail.Roof and claim terms for Triad homeownersTriad roof claim glossary: ACV and RCV, holdback, wind/hail deductibles, weight of ice and snow, hail bruising, slate terms, test squares and supplements.Triad storm and roof claim checklists to printPrintable Triad storm checklists: a hail damage check, after-hail steps, a policy review, and question lists for your insurer, adjuster and roofer.

Hail damage

Did the hail hurt your roof? How to check a Triad homeHail damage on Triad roofs: reading shingles, slate and metal after a Greensboro, High Point or Winston-Salem storm, and the hail sizes that cause damage.Hail sizes, and how big Triad hail has beenHail sizes from penny to egg and how often each has been reported in Guilford, Forsyth, Alamance, Rockingham and Randolph since 2006, with roof effects.Photographing storm damage on a Triad homeA photo checklist for Triad homes after hail, downbursts or ice: the roof, gutters, heat pumps, fallen limbs and the attic, plus the records to keep.Hail damage photos: what Triad homeowners should look forHail damage photos for Greensboro and Triad homeowners: metal roofs, heat pumps, windows, siding and cars, hailstones for scale, and common look-alikes.What to do in the first week after a Triad hailstormStep by step after hail in Greensboro, High Point, Winston-Salem, Burlington or Asheboro: safety, photos, tarps, deductibles and reporting the claim.

Insurance claims

How does a roof insurance claim work in North Carolina?How a roof insurance claim works in the Triad: when to file, what NC adjusters do, wind/hail and named-storm deductibles, payments and roofer limits.How do wind/hail and named-storm deductibles work for Triad homes?Wind/hail and named-storm deductibles for Triad homes: how percentages work, why a coastal storm watch can trigger an inland deductible, and the math.A tree fell on your Triad house. What do you do first?A tree on a Greensboro, Winston-Salem or High Point house: safety, power lines, tarping, neighbors' trees, removal limits, ice storms and downbursts.What does wind damage look like on a Triad roof?How summer downbursts, winter wind and tropical remnants damage Triad roofs, what to photograph after the storm, and how North Carolina claims work.Your Triad roof is leaking after a storm. What now?A roof leak after a storm in Greensboro, Winston-Salem or High Point: stopping water, proving storm damage, winter ice dam leaks, mold, and NC coverage.When and how should a Triad roof be tarped?Tarping a Triad roof after a falling limb, downburst or ice storm: what NC policies expect, safe installation, winter tarps, and costs usually reimbursed.Who will inspect your Triad roof claim?Staff, independent and public adjusters on a Greensboro-area roof claim: who works for whom, NC licensing, the 10% cap after declared disasters, and prep.What can you do if a Triad roof claim is denied or comes in low?Triad roof claim denied or low? Get reasons in writing, compare estimates, ask for reinspection, use appraisal, or file with the NC Dept. of Insurance.What happens when an older Triad roof is damaged?How roof age affects a Triad claim: replacement cost versus ACV, roof schedules, slate and discontinued shingles, and how to prove your roof's real age.What should you check in your policy before a Triad roof claim?Reading an NC homeowners policy before a Triad roof claim: declarations, deductibles, roof payment terms, slate and matching, code upgrades and ice damage.Calling your insurer after a Triad storm: what to askQuestions for your insurer after storm damage in Greensboro and the Triad: deductibles, RCV or ACV, temporary repairs, inspection dates and proof of loss.Questions to ask the adjuster at your Triad roof inspectionWhat to ask the adjuster at a Triad roof inspection: hail hits per slope, repair or replace, slate and matching, code items, depreciation and supplements.Reading your roof insurance estimate, line by lineReading a Triad roof insurance estimate: squares, waste, ice barrier, drip edge, slate, steep charges, depreciation, O&P and supplements.When tropical storm remnants reach the Triad: roof claimsTropical storm damage in the Triad: how NC named-storm deductibles work inland, wind versus flood, trees on roofs, Helene and Florence, and preparation.Tornado damage to your Triad home: what to doTornado roof damage in Greensboro, High Point and Winston-Salem: lessons from the 2018 Greensboro EF2, safety, documenting damage, trees and coverage.Ice dams and winter leaks in the Triad: what to doIce dams and winter roof leaks in Greensboro and the Triad: why they form after snow and cold nights, what NC policies usually cover, and prevention tips.

Hiring a roofer and avoiding scams

How do you avoid storm chasers and roofing scams?How to spot storm chaser roofing scams in Greensboro: door knockers, deductible offers, contracts to sign on the spot, and what North Carolina law says.What is an assignment of benefits on a roof claim?What an assignment of benefits means on a Triad roof claim under NC rules, what you give a contractor when you sign one, and what to ask before you agree.How do you check out a roofer in the Triad?Checking a roofer in Greensboro, High Point or Winston-Salem: NC's $40,000 license rule, insurance certificates, a local address and a written contract.