The Insurance Claim Process: A Step-by-Step Guide for Iowa Homeowners
Filing a storm damage insurance claim can feel overwhelming — especially if you've never done it before. But with the right contractor on your side, the process is straightforward. Here's exactly what happens from start to finish.
Get a Free Professional Inspection
After a storm, the first thing to do is get your property inspected by a licensed contractor. We inspect your roof, siding, gutters, windows, and outbuildings — completely free. If we find damage, we document everything with detailed photos. If there's no damage, we'll tell you honestly and you owe us nothing.
File Your Insurance Claim
If damage is found, you'll call your insurance company to file a claim. We help you with the wording and timing. You'll sign an authorization form that allows us to work with your carrier on your behalf. This is standard in the industry and protects both sides.
Meet the Insurance Adjuster
Your insurance company will send an adjuster to inspect the property. We meet them on-site, walk the property together, and make sure every damaged item is documented. We use Xactimate — the same estimating software your carrier uses — so we're speaking the same language.
Review the Estimate & File Supplements
The adjuster will issue an initial estimate. In our experience, about 60-70% of these estimates miss damage or code-required items. When that happens, we submit supplements — detailed documentation with annotated photos, code references, and Xactimate line items — to get the full scope approved.
Restoration Begins
Once the scope is approved, our crew gets to work. We follow manufacturer specs, pull all required permits, and keep you updated with photos throughout the project via CompanyCam. Most roofing projects take 1-2 days of active work; multi-trade jobs take longer.
Final Walkthrough & Warranty
When the work is complete, we walk the entire project with you to make sure you're 100% satisfied. We deliver your 2-year workmanship warranty in writing and handle the final insurance paperwork, including depreciation recovery.
What Do I Pay Out of Pocket?
In most cases, you only pay:
- Your insurance deductible (set by your policy)
- Any optional upgrades you choose (e.g., metal roof instead of asphalt)
Insurance covers the full approved scope. There are no hidden fees or surprise invoices. We work directly with your carrier so you don't have to chase paperwork.
How Long Does the Process Take?
Most projects take 4-8 weeks from initial inspection to completion. The first 2-3 weeks cover the inspection, adjuster meeting, and insurance approval. Production typically takes 1-2 weeks for roofing and exterior work. Multi-trade jobs (roof + siding + gutters) may take a bit longer.
Ready to Start Your Claim?
We handle the entire process — from the first inspection to the final paperwork. You focus on your life, not insurance bureaucracy.
