Triad storm and roof claim checklists to print
All of the Triad Storm Center checklists on one page. Print them, fill them in, and bring them to the adjuster's visit and every roofer meeting.
Last reviewed against official sources. General information, not insurance or legal advice.
Quick answer
Print the hail damage check, the after-hail steps, the policy review and the questions for your insurer, adjuster and roofer. Keep the filled-in pages in your claim folder.
Each list below matches a full guide in the Storm Center. Ice storms can knock out power for days, so a printed copy is worth having.
- Triad hail damage check
- Roofer questions for Triad homeowners
- After-hail checklist for Triad homes
- Triad policy review
- Questions for your insurer
- Adjuster inspection questions
- Tropical storm prep for Triad homes
Triad hail damage check
- Storm date, time and the largest hail you saw, with a photo of stones beside a coin or ruler.
- Which direction did the storm come from? (Many Triad storms move in from the west.)
- Gutters and downspouts on that side: new dents along the front lip?
- Heat pump or AC: flattened fins on the side facing the storm?
- Box vents, ridge vent, skylight frames and chimney cap: dents or cracks?
- Window screens, painted trim, vinyl siding and the mailbox: tears, chips or holes?
- Fresh granule piles at downspout outlets or in gutters?
- Roof slopes seen from the ground with binoculars or a phone zoom: dark spots, cracked tabs, broken slate?
- Cars, the deck rail, the grill and patio furniture: matching dents?
- Attic and top-floor ceilings checked after the next two rains.
- All photos and notes dated and saved together.
Roofer questions for Triad homeowners
- Business name and physical address in the Triad: ____
- How long have you been roofing in Guilford, Forsyth or nearby counties?
- Certificates of liability and workers' compensation sent from your agent? Y / N
- NC general contractor license number, if the job is $40,000 or more: ____
- Who will do the work, and who supervises the crew?
- Written, itemized estimate and contract? Y / N
- Shingle brand and line, underlayment and ice barrier, ventilation: ____
- Experience with slate or metal, if my roof has it?
- Who pulls the permit and schedules the final inspection?
- Workmanship warranty term, in writing: ____
- Manufacturer warranty: who registers it?
- Price per sheet for replacing rotten decking: $____
- Payment schedule tied to completed work? Final payment after inspection?
- Lien waivers from suppliers and subcontractors?
- Three local references from the past year:
After-hail checklist for Triad homes
- Storm over; no downed lines or hanging limbs near the house.
- Largest hailstones photographed beside a coin or ruler; time noted.
- Each side of the house and each roof slope photographed from the ground.
- Close-ups of dented gutters, vents, heat pump, screens, siding, deck and car.
- Openings covered; temporary repair photos and receipts saved.
- Deductible checked on the declarations page: $____
- Claim reported; claim number ____ and adjuster ____ written down.
- Roofers contacted: insurance certificate and local address checked for each.
- Nothing signed at the door; any contract taken home and read.
- Ceilings and attic rechecked after the next rains.
- Log of every call and email started.
- One folder for photos, receipts, letters and estimates.
Triad policy review
- Insurer, policy number and policy period:
- Policy form (HO-3, HO-5, DP-3 or other):
- Dwelling (Coverage A) limit: $____
- All-perils deductible: $____
- Wind/hail deductible, if separate: ____% = $____
- Named-storm or hurricane deductible, if any: ____% = $____
- Roof paid at replacement cost, actual cash value or on a schedule?
- Cosmetic damage exclusion (metal or other)? Y / N
- Weight of ice, snow or sleet covered? Any limits?
- Ordinance or law coverage and limit: $____
- Additional living expense limit: $____
- Duties after loss and proof of loss deadline:
- Suit limitation: three years from the date of loss under NC standard provisions
- Mortgage company on the policy:
Questions for your insurer
- Claim number: ____ Adjuster name, phone and email: ____
- Which deductible applies to this storm, in dollars?
- Is my roof covered at replacement cost, actual cash value or on a schedule?
- Is there a cosmetic exclusion on my policy?
- Which temporary repairs should I make, and will you pay for them?
- Can I choose my own roofer? How should their estimate be sent?
- When is the inspection, and may my roofer be there?
- Do you need a sworn proof of loss? By what date?
- Is there coverage for tree removal, and what is the limit?
- Does additional living expense apply if we have to move out?
- How and when is recoverable depreciation paid?
- Will my mortgage company be named on the check?
- How should I send photos and receipts?
- Who do I contact if the adjuster is unreachable?
Adjuster inspection questions
- Are you a staff adjuster, an independent adjuster or a desk reviewer?
- Hits per test square on each slope? Which slopes did you test?
- How did you tell hail from age and wear on my shingles?
- Did you check gutters, vents, flashing, the heat pump and siding?
- Repair or replace? What threshold did you use?
- Can damaged shingles or slate be replaced without breaking nearby ones?
- If new shingles will not match, how will that be handled?
- Which code items are included: drip edge, underlayment, ice barrier?
- Have you included steep and high charges where they apply?
- How did you calculate depreciation? Is it recoverable?
- When will I receive your estimate and photos?
- How do I submit a supplement if more damage is found?
- How do I request a reinspection?
- Who makes the decision, and when?
Tropical storm prep for Triad homes
- Dated photos of the roof and each side of the house before the season.
- Do I have a named-storm or hurricane deductible? ____% = $____
- Flood insurance in place? (New NFIP policies usually wait 30 days.) Y / N
- Large oaks or pines over the house inspected or trimmed by an arborist.
- Gutters and downspouts cleared.
- Patio furniture, grills and trampolines secured or stored.
- Tarps, flashlights and a charged phone ready.
- Insurer's claim number and app saved.
- After the storm: photos before cleanup; tarp; keep receipts.
- Report promptly and note the storm's name.
Policies vary. Check your own policy and ask your insurer or agent about anything that affects your claim. Laws and rules can change; this page reflects official sources as of October 29, 2026. RoofingGreensboro.com is not a contractor, insurer, adjuster or law firm.
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