Storm Damage/ Insurance Claims

Stay safe, and call Pinnacle for an inspection and emergency tarping. Then notify your insurance carrier to open a claim with Pinnacle’s assistance or let us handle it all.

No. Policies require reasonable steps to prevent further damage. We can tarp or board up right away and you keep the receipts for your claim file.

Wind, hail, and storm-created openings (e.g., a tree limb that punctures the roof) are typically covered. Wear and tear, neglect, and flooding are not. Your policy controls final coverage.

No. You choose your contractor. We work with all carriers, meet the adjuster on-site, and handle the paperwork, scope, and supplements.

We compare line-by-line and, if needed, submit a supplement with photos, measurements, and code requirements. This is common and helps align the claim to the real-world repair.

They’re covered only if your policy includes Ordinance or Law coverage. We include required code items in our scope and note them for the adjuster.

The deductible is the amount you pay out of pocket. The insurer pays the covered balance of the approved scope. We itemize everything so the math is clear.

ACV (Actual Cash Value) pays today’s value minus depreciation. RCV (Replacement Cost Value) pays the full cost to replace. With RCV, insurers typically release recoverable depreciation after the work is completed and invoiced.

Insurers may adjust premiums after a claim. Weather losses are often treated differently than at-fault losses. Ask your agent how your carrier handles storm claims; we document that the loss was storm-related.

 File as soon as possible after the storm. Many policies require prompt notice (often within 30–60 days). We document the date of loss, photos, and emergency tarping so your carrier has everything they need.

 Yes. Wind and hail damage can be hidden (lifted shingles, granule loss, cracked flashing) and may lead to future leaks. A documented inspection report helps your homeowners insurance claim and prevents secondary damage.

 Yes. Insurance pays the approved covered scope; you simply pay the difference for any upgrades. We price options side-by-side (impact-resistant shingles, metal accents, ventilation, skylight replacements) so you can choose what’s best for your home and budget.