Homeowners lose thousands by calling the carrier before they document the roof. Here is the sequence I recommend to every ABQ, Santa Fe, and Rio Rancho homeowner after a storm.
Use the 18-point hail checklist. A claim opens the moment you call — walk in with evidence, not questions.
NM policies vary: ACV vs. RCV, wind/hail separate deductible, cosmetic exclusion endorsements. Read the declarations page.
Report date, time, and hail size. Ask for the adjuster inspection date. Note the claim number.
An independent NM inspector documents damage the adjuster can't miss and gives you a written scope to compare against.
Have your photos and independent report on-site. Walk the slopes together. Point out every chalk-tested bruise.
Missing ridge, drip edge, or code items? Submit a supplement request in writing with photos and code citations.
Use a locally licensed NM roofer. Never sign an AOB (Assignment of Benefits) or blank contract.
In NM, a single weather-related claim usually does not raise premiums, but repeated claims within 3 years can trigger non-renewal. Ask your agent.
No. NM insurance code lets you choose any licensed roofer. Preferred vendors are optional.
Request a re-inspection with your independent report attached. If still denied, file a complaint with the NM Office of Superintendent of Insurance.
Free NM walk-around, no sales pitch. If you want it in writing, reports start at $149.