The insurance claim process doesn't have to be confusing. We walk you through every step — from identifying damage to getting your new roof installed.
Insurance policies are written to protect your home from storm damage — but most homeowners have no idea how to use that protection when they actually need it.
Every year, thousands of Utah homeowners file no claim after a hail event — not because they weren't damaged, but because they didn't know they were covered. Or they file a claim and accept a settlement far below what their repair actually costs.
That's why having an experienced roofing company in your corner makes all the difference. We know exactly what to look for, what to document, and how to work with your insurance company to ensure a fair outcome.
We answer all of these questions — clearly and honestly — before you ever make a decision. That's the Cornerstone difference.
Most homeowner policies cover storm-related roof damage. Here's what we look for during our inspection:
Hail creates impact marks and fractures shingle granules. These bruises aren't always visible from the ground, but they accelerate shingle deterioration significantly. We document every impact point with photos.
High winds can lift, crack, and completely remove shingles. Even partial lifting breaks the seal between shingles, allowing water to penetrate. Missing shingles, lifted edges, and cracked tabs are all claim-worthy findings.
Heavy rain combined with existing vulnerabilities can cause leaks and interior water damage. We identify the roofing failures that caused the leak and document them properly for your claim.
Storm events often damage roof flashing around chimneys, vents, and skylights. These are frequently missed in DIY inspections but are critical to include in a complete claim.
Hail frequently dents and damages gutters and downspouts. Insurance often covers gutter replacement alongside the roof — we assess the entire exterior system during every inspection.
A storm event on an older roof can cause damage that wouldn't appear on a newer roof. If your roof is 10–20 years old, a storm may be just the trigger needed for a legitimate full replacement claim.
We walk alongside you at every step. Here's exactly what to expect when you work with Cornerstone Roofing:
We come to your property and perform a comprehensive inspection of your roof, gutters, and other exterior components. We document all damage with detailed photographs and written notes. There is no cost and no obligation.
We walk you through exactly what we found — what the damage is, how it occurred, and whether we believe it qualifies for an insurance claim. We give you a straight answer based on what we actually see.
When you decide to move forward, we help you contact your insurance company and file the claim correctly. We guide you through what information to provide and how to communicate with your insurer so nothing gets missed.
Your insurance company will send an adjuster to inspect the roof. We are present during this inspection to point out all documented damage, answer technical questions, and ensure a thorough assessment is performed.
Once the adjuster submits their report, the insurance company issues a claim determination. If anything is missed or underpaid, we help you request a supplement or second review to address discrepancies.
After claim approval, we schedule your installation and get to work. We use quality materials, maintain a clean worksite, and complete the job efficiently — so you can get back to normal as quickly as possible.
When the adjuster arrives, it's important to have someone in your corner who understands what they're looking for. Here's what the adjuster inspection typically involves — and how we help.
Adjusters rely heavily on documentation. We provide them with our full inspection report, photographs, and damage notes before they even get on the roof — setting the tone for a thorough review.
We accompany the adjuster during their on-site inspection. We can point out damage that may be easy to overlook, answer technical questions, and ensure every affected area is assessed — not just the most obvious damage.
Once the adjuster submits their report and estimate, we review it against our inspection findings. If items are missing or the scope is incomplete, we help you request a supplement — a standard and legal part of the claims process.
Once everything is aligned and the claim is approved, we take it from there. Scheduling, material selection, installation, and final walkthrough — we handle every detail so you don't have to.
Call us today and schedule your free, no-obligation roof inspection. We'll tell you exactly what's going on — and what your options are.