Property Checklist
Roof claim document checklist
Documents, photos, receipts, and questions to collect before a storm roof claim, roof replacement claim, or deductible conversation.
Best for: Homeowners dealing with hail, wind, roof leaks, adjuster scopes, roof replacement claims, or deductible exposure.
Use when: Use this before a contractor changes roof evidence, before the adjuster conversation, and before signing a roof replacement agreement.
If there is active water intrusion, electrical risk, unsafe roof access, or ceiling movement, use qualified emergency help first.
Plain English
What papers should I collect before this decision?
Use this to keep the quote, cost, document, and question list in one place before you sign or pay.
Start here: Check the boxes you already have, then use the missing boxes as your question list.
Event and damage proof
A claim gets harder when the timeline, storm event, and before-repair condition are vague.
Storm date, time, and type
CoreWrite down hail, wind, rain, tree impact, first leak observation, and whether neighboring properties had damage.
Exterior photos
CoreCapture roof slopes from the ground, missing shingles, lifted tabs, dents, gutters, downspouts, vents, flashing, fences, and soft metals.
Interior photos
Photograph ceiling stains, walls, attic conditions, buckets, tarps, and where water entered.
Temporary mitigation proof
Keep tarp invoices, emergency repair receipts, mitigation notes, and photos before and after mitigation.
Policy and estimate documents
The number depends on deductible, ACV or RCV language, depreciation holdback, code upgrades, and scope lines.
Insurance declarations page
CoreConfirm deductible type, roof coverage terms, wind/hail deductible, replacement cost terms, and exclusions.
Adjuster estimate or scope of loss
CoreCompare roof squares, waste, starter, ridge cap, vents, flashing, drip edge, underlayment, decking, code items, detach/reset, and interior items.
Contractor itemized scope
CoreAsk the contractor to write included and excluded work rather than matching only the insurance total.
Deductible and depreciation math
Use the roof insurance deductible calculator so out-of-pocket cash is visible before signing.
Do not rely on deductible waiver promises. Verify policy, contract, and local rules.
Questions before signing
Roof claim problems usually show up in missing scope, cash timing, and warranty responsibility.
What work is excluded?
Decking, flashing, vents, skylights, chimney work, gutters, interior repair, permits, disposal, and code upgrades should not be assumed.
What happens if decking is bad?
Ask for the per-sheet price, approval process, photo proof, and whether insurance supplementing is expected.
Who handles supplement evidence?
Clarify who submits photos and scope evidence, and what you are signing before funds are released.
Before you act
- Run the roof replacement, roof insurance deductible, and hail severity tools.
- Create a decision packet with storm timeline, photos, deductible exposure, and missing scope.
- Verify claim, contract, and payment terms with qualified professionals before signing.
Decision packet prompt
Build a packet with the storm timeline, photo inventory, adjuster scope, contractor scope, deductible math, depreciation timing, exclusions, and supplement questions.
Open the decision packetUse this before requesting or accepting an estimate
A checklist is useful before monetization: collect the evidence first, then use it to run the calculator, compare the bid, build the packet, or request a cleaner estimate. Do not send private claim documents through Kefiw unless a page explicitly explains how that information is handled.
Checklist FAQ
Should I wait to use this checklist until the claim is open?
No. The checklist is useful before cleanup, before signing, before filing, before an adjuster visit, and before sale or rental documentation conversations.
Does this checklist decide coverage or contract terms?
No. It helps organize proof and questions. Verify policy, contract, safety, legal, and local-rule issues with qualified sources.
What should I do after completing it?
Run the related calculator, build the Property Decision Packet, compare the bid, or request an estimate only after the key proof and missing questions are visible.