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Insurance claim checklist after a storm

Five steps that maximize your claim and keep you from getting screwed.

1. Document damage with photos before any temporary repair (tarping is fine — just photograph first).

2. File the claim ASAP and get a claim number — even if you're not sure of the damage extent yet.

3. Get an independent roofing inspection. The insurance adjuster will get their own; you want a second opinion.

4. Be present when the adjuster inspects. Have your roofer there. Three sets of eyes find more damage.

5. Don't sign anything assigning your benefits to a contractor. Pay your roofer directly with the insurance proceeds.

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