Build complete, professional claim packages step-by-step. Reduce denials, speed up approvals, and get paid faster.
Enter the property and policy details for this claim.
Provide storm details for this claim. Accurate weather data strengthens your documentation.
Use this step-by-step photo checklist to thoroughly document all damage. Check off each item as you capture it.
Capture the entire roof from the street or property entrance. Include the full structure and address if visible. Take from multiple angles.
Photograph a section of the roof with no damage to establish a baseline. This proves the difference between normal wear and storm damage.
For each damage zone, take a wide photo showing the area in context. Show the location on the roof relative to ridges, valleys, or edges.
Photograph each impact/damage point up close. Place a ruler, chalk circle, or coin next to the damage for scale reference.
Document all flashing around chimneys, vents, skylights, and pipes. Look for lifted, dented, or separated flashing.
Photograph gutters for dents, granule buildup, and dislodged sections. Check downspouts for impact damage and document any hail splatter marks.
Check for water stains on ceilings, attic leaks, daylight through the roof deck, and wet insulation. Document every instance with photos.
Document damage to garages, sheds, fences, siding, window screens, and AC units. Surrounding damage supports the storm damage claim.
Select all applicable damage types and enter measurements. This generates a scope summary aligned with Xactimate categories.
Auto-suggested based on your roof type. Adjust as needed.
Review your complete claim documentation below. Print or download as PDF for submission to the insurance carrier.
This tool applies risk management frameworks specific to the roofing and construction industry, where insurance costs represent 8-15% of total project costs and experience modification rates directly impact bid competitiveness. Industry data is drawn from NCCI construction class code experience, OSHA inspection databases, and carrier loss ratio reports for the roofing sector.
The analysis incorporates key risk metrics including EMR trending, OSHA recordable incident rates (DART and TRIR), and subcontractor insurance verification requirements that are increasingly demanded by general contractors and project owners. Regulatory compliance costs are estimated based on current federal OSHA standards and state-plan state requirements where applicable.
Roofing contractors with EMRs below 0.85 and documented safety programs typically qualify for preferred insurance pricing and gain access to larger commercial projects. The ROI of safety and compliance investments shown here is calibrated against industry benchmarks from the National Roofing Contractors Association (NRCA) and the Construction Industry Institute (CII).
This analysis draws from the following primary data sources:
Methodology note: All projections use a composite rate approach with demographic adjustment factors. State-specific regulatory constraints are reflected in baseline rate assumptions. Results are directional estimates intended for planning purposes.