A South Dakota Homeowner’s Guide
What to expect after hail or storm damage and how T2 Roofing helps every step of the way.
If you’ve ever looked at your roof after a hailstorm and wondered, “What do I do now?” you’re not alone.
One of the most common questions we hear from homeowners is how the insurance claim process actually works. The good news is that it doesn’t have to be overwhelming.
At T2 Roofing, we’ve helped homeowners throughout Sioux Falls, Brandon, Harrisburg, Tea, Hartford, Baltic, Lennox, Canton, Garretson, Beresford, and surrounding communities navigate storm damage claims for years. Here’s a simple breakdown of what to expect.
WHY START WITH A PROFESSIONAL INSPECTION?
Before filing a claim, it’s important to determine whether your roof has storm-related damage.
Not every storm creates damage that qualifies for an insurance claim, and not all damage is visible from the ground.
A professional inspection can identify:
• Hail impacts to shingles
• Wind damage
• Missing shingles
• Damaged flashing
• Gutter and downspout damage
• Soft metal damage from hail
At T2 Roofing, we provide honest roof inspections and document any storm-related damage we find.
STEP 1: CONTACT YOUR INSURANCE COMPANY
If storm damage is present, the next step is opening a claim with your insurance carrier.
They’ll typically ask for:
• Date of the storm
• Description of the damage
• Property information
• Contact information
Once the claim is opened, an insurance adjuster will be assigned to inspect your property.
STEP 2: MEET WITH THE INSURANCE ADJUSTER
The adjuster’s job is to inspect the damage and determine what is covered under your policy.
We strongly recommend having your roofing contractor present during the adjuster inspection.
An experienced roofing professional can help ensure storm-related damage is properly documented and discussed during the inspection.
STEP 3: REVIEW THE INSURANCE ESTIMATE
After the inspection, your insurance company will provide a scope of work outlining approved repairs or replacement.
This may include:
• Roof replacement
• Roof repairs
• Gutters and downspouts
• Siding damage
• Window screens
• Other storm-related damage
Your contractor should review this estimate with you and help explain exactly what is covered.
STEP 4: SCHEDULE THE WORK
Once the claim is approved, it’s time to schedule your project.
At T2 Roofing, we walk homeowners through material selection, scheduling, and project expectations before work begins.
Our goal is to make the process simple, transparent, and stress-free.
COMMON INSURANCE CLAIM MISTAKES TO AVOID
Waiting Too Long
Many policies have deadlines for reporting storm damage. Waiting too long could impact your ability to file a claim.
Climbing on the Roof Yourself
Storm-damaged roofs can be dangerous. Leave inspections to trained professionals.
Choosing a Contractor Based Only on Price
The lowest bid isn’t always the best value. Experience, communication, workmanship, and reputation matter.
Not Understanding Your Deductible
Your deductible is your responsibility and is determined by your insurance policy. Make sure you understand your portion of the project before work begins.
HOW T2 ROOFING HELPS HOMEOWNERS
Storm damage is stressful enough. You shouldn’t have to navigate the insurance process alone.
When you work with T2 Roofing, we help by:
• Performing detailed roof inspections
• Documenting storm damage
• Meeting with insurance adjusters
• Reviewing insurance paperwork
• Communicating throughout the process
• Delivering quality workmanship backed by our reputation
Our mission is simple: Help homeowners make informed decisions and protect their homes with confidence.
SCHEDULE YOUR FREE ROOF INSPECTION
If your home has recently experienced hail, wind, or severe weather, now is the time to schedule a professional inspection.
T2 Roofing proudly serves homeowners throughout Sioux Falls, Brandon, Harrisburg, Tea, Hartford, Baltic, Lennox, Canton, Garretson, Beresford, and surrounding communities.
Call 605-553-3390 today to schedule your free inspection.
FAQs
How do I know if I have hail damage on my roof?
Hail damage is often difficult to spot from the ground. A professional inspection is the best way to determine if your roof has sustained damage.
Should I call a roofer or insurance company first?
Most homeowners benefit from having a professional roof inspection before filing a claim so they understand whether storm damage is present.
Will insurance pay for a new roof after hail damage?
Coverage depends on your policy and the extent of the damage. Your insurance company will determine what is covered.
How long do I have to file a roof insurance claim?
Deadlines vary by insurance carrier and policy. It’s best to schedule an inspection as soon as possible after a storm.
Can T2 Roofing meet with my insurance adjuster?
Absolutely. We regularly meet with adjusters to help ensure storm damage is properly documented and evaluated.