How do I file a roof insurance claim after a storm?

Filing a roof insurance claim after an Eastern Iowa storm doesn’t have to be overwhelming. Here’s a step-by-step guide to protect your home and your rights:

Step 1: Document the damage. Once it’s safe, take photos and video of any visible damage from the ground — damaged shingles, dented gutters, broken siding, fallen tree limbs, and any interior water stains. Do not climb onto your roof.

Step 2: Contact your insurance company. Report the damage promptly. Most Iowa homeowners’ policies require claims to be filed within 6 to 12 months of the storm date. Ask for your claim number and the name of your assigned adjuster.

Step 3: Call Bunting Construction at (319) 330-9691. Schedule a free professional inspection. We’ll thoroughly document all damage — including hidden damage not visible from the ground — and prepare a detailed report that supports your claim.

Step 4: Meet with the insurance adjuster. When your adjuster visits, we can meet them at your property to walk the roof together. Having an experienced contractor present ensures nothing is overlooked and that the damage assessment is complete and fair.

Step 5: Review the settlement. If the insurance company’s estimate doesn’t fully cover the necessary repairs, Bunting Construction can help you negotiate or file a supplement to the claim.

Important: Never let any contractor tell you they’ll “waive your deductible.” This is insurance fraud under Iowa law, and it’s a major red flag indicating a dishonest contractor. Your deductible is your responsibility. A trustworthy contractor helps maximize your claim — legally — so the insurance company covers its fair share. Call (319) 330-9691 to get started.