How to Work with Your Insurance Company After Storm Damage
Storms in Omaha can be brutal, leaving behind a trail of broken shingles, water damage, and structural issues. For many homeowners, the biggest challenge isn’t just the roof damage—it’s figuring out how to navigate the claims process and work with their insurance provider to cover the cost of repairs.
Whether you're dealing with temporary repairs, emergency repair, or filing a full storm damage insurance claim, this blog will help you get the fair settlement you deserve. And when in doubt, Teamwork Exteriors – Omaha’s most trusted roofing insurance claims expert—is ready to step in.
Step 1 - Act Fast, But Smart
After natural disasters like hailstorms or severe wind events, make sure your home is safe. Conduct a visual inspection and perform temporary repairs to prevent further damage—but do not begin permanent repairs until your claim is approved.
Document damaged items, take photos of flood damage, roof damage, or minor repairs, and contact your insurance agent or claims hotline immediately.
Step 2 - Review Your Policy & Understand Coverage
Read your homeowners insurance policy carefully. Look for:
Comprehensive coverage vs. named peril
Your coverage limits
Whether your policy covers hail damage or flood insurance
Any exclusions or clauses related to storm damage claims
If you’re confused by policy language or need clarification, consult with a public adjuster or even your state’s department of insurance. They can explain your rights under insurance law and help you understand your insurance contracts.
Step 3 - Get a Roof Inspection from Licensed Experts
Before your claims adjuster comes out, contact Teamwork Exteriors – expert roof maintenance in Omaha. We’re licensed contractors who specialize in storm-related roof replacement cost evaluations and emergency repair assessments.
You’ll get:
A detailed inspection report
Photos of structural damage and water infiltration
Professional guidance on the repair process
Proof of damage to share with your insurance company or insurance department
Step 4 - File Your Claim Strategically
When you file, make sure to:
Provide thorough documentation of damage and repair costs
Submit estimates from experienced contractors
Avoid contractor scams by verifying all potential contractors are licensed and insured
It’s also smart to review your claims history to be aware of how this claim may impact future premiums or your maximum settlement.
If your insurance payout seems too low, you’re entitled to dispute it. A public adjuster can help you negotiate with the insurance provider and fight for a fair settlement.
Step 5 - Know the Law & Protect Your Home
Did you know that in Nebraska, depending on the extent of damage, you may need a permit for a new roof? If you’re asking, "Do I need a permit for a new roof?"—the answer is likely yes. Teamwork Exteriors, as a top-rated roofing company in Omaha Nebraska, takes care of permitting, compliance, and documentation for you.
We also help you understand your rights under insurance policies, standard homeowner agreements, and auto insurance policy overlaps (if your vehicle was also damaged in the storm).
Don’t Settle—Restore Smart
Filing a storm damage insurance claim can be complex, but with the right team, you can protect your investment without stress. Trust Teamwork Exteriors to handle the heavy lifting—from inspection to documentation to final roof installation.
