Should I call my insurance company or a roofer first?

Either works. Many homeowners have us inspect first so they know whether there is enough damage to be worth a claim.

Do I need a contractor at the adjuster inspection?

It is not required, but it helps. We can show the adjuster the damage we documented and answer questions about the roof.

Can SPG negotiate my claim?

No. Indiana law does not allow a roofing contractor to represent a homeowner or negotiate an insurance claim. A licensed public adjuster can, and we can refer you to one we work with.

What if I disagree with the insurance company's decision?

Your policy explains your options, which can include asking for a re-inspection or using the policy's appraisal process. A licensed public adjuster or an attorney can represent you.

Will my insurance rates go up after a claim?

That depends on your insurance company and policy. Ask your agent how a weather claim affects your rates.

What damage is usually not covered?

Most policies exclude wear and tear, old age, neglect and installation problems. Your policy documents list the exclusions.

Storm Damage and Insurance

Roof Insurance Claims in Indianapolis

We document the storm damage, meet your adjuster on site, and repair or replace the roof once the claim is approved.

Get a Free Estimate Call (317) 707-6637

600+ Insurance Jobs Since 2018Free Storm InspectionsAdjuster Meetings

Most storm-damaged roofs in Central Indiana are repaired or replaced through homeowners' insurance. Since 2018, SPG Roofing & Exteriors has completed more than 600 insurance jobs. Our part is the roofing: we inspect the roof, document the damage, meet your adjuster on site so they can see what we found, and do the work once the claim is approved. The claim itself is between you and your insurance company. If you want someone to negotiate it for you, we can refer you to a licensed public adjuster we work with.

Materials You Can Trust

Brands We Work With

We install systems and products from leading manufacturers.

Certified Contractor

Systems We Install

Step by Step

How a Roof Insurance Claim Usually Works

Free inspection. We inspect the roof and photograph any hail or wind damage, so you know whether there is enough damage to be worth a claim before you call your insurer.
You report the claim. Your insurance company opens the claim and assigns an adjuster.
Adjuster inspection. We meet the adjuster at your home and show them the damage we documented.
The insurer's decision. The insurance company decides what is covered and sends you its estimate and payment terms.
The work. Once the claim is approved, we schedule the repair or replacement and complete it.

Your policy's deductible, coverage and deadlines are set by your insurance company, so read your policy or ask your agent about them.

Architectural shingle roof, front view, Indianapolis, IN

Documentation

What We Document

Hail and wind damage is often hard to see from the ground. We get on the roof and photograph each damaged area: hail bruises and granule loss on shingles, creased or missing shingles from wind, dented vents, flashing and gutters, and any spots where water is getting in. We also measure the roof. You get the photos whether or not you file a claim or hire us.

See hail damage and wind damage for what each looks like.

Adjuster Meeting

Meeting Your Adjuster

When the adjuster comes out, we meet them on site and walk the roof with them so they can see the damage we documented and ask questions about the roof's materials and construction. The adjuster works for the insurance company and makes the coverage decision.

Indiana law does not allow a roofing contractor to represent you or negotiate your claim. If you disagree with the insurer's decision or want an advocate, a licensed public adjuster can represent you, and we can refer you to one we work with.

GAF Timberline HDZ Driftwood roof, front view, Greensburg, IN

Coverage

What Insurance Usually Covers

Homeowners' policies generally cover sudden damage from events such as hail, wind, falling trees and lightning. They generally do not cover wear and tear, old age, neglect, or installation problems. Every policy is different, and some limit coverage for older roofs or pay only the depreciated value, so check your own policy for the details.

Why Choose SPG

Key Benefits

Free Storm Inspections

We inspect the roof and photograph the damage at no charge.

Photo Documentation

Photos and measurements of every damaged area, yours to keep.

Adjuster Meetings

We meet your adjuster on site and show them the damage.

600+ Insurance Jobs

More than 600 insurance jobs completed since 2018.

Public Adjuster Referral

Want someone to negotiate the claim for you? We can refer a licensed public adjuster.

Roof, Gutters and Siding

One contractor for the roof, gutters and siding a storm damages.

Our Process

How It Works

From first call to final walkthrough — here's what to expect.

Inspection

We inspect the roof and photograph any storm damage.

Your Claim

You report the claim to your insurance company, which assigns an adjuster.

Adjuster Meeting

We meet the adjuster on site and walk through the damage with them.

Repair or Replacement

Once the claim is approved, we complete the work and clean up.

4.9

on Google

What Our Customers Say

Anne G.

“We had a very stressful siding situation, and this team made the entire process manageable from start to finish. They were professional, responsive, and flexible throughout. They even met with the insurance adjuster and helped make that transition smooth. Communication was clear, expectations were set well, and the work was handled efficiently. I would absolutely recommend them!”

Kevin P.

“SPG Roofing & Exteriors recently completed replacing a copper flat roof that was damaged in a storm. I cannot say enough about how pleased I am with the quality of their work, their service, and their excellent communication throughout the project. In addition, the price was very fair and lower than other quotes I received. Chase came to my home within a few days of my contact with SPG. He was thorough, friendly, and provided a detailed quote soon after. He scheduled the work quickly and kept me informed every step of the way. The crew was professional, respectful of my property, and completed the job on time. I highly recommend SPG Roofing & Exteriors.”

James D.

“This has been one of the best business experiences I have had in Indiana over the last 11 years of residence. Wind damage to my roof and two interior rooms on April 2nd brought both a quick insurance claim to USAA and an equally quick estimate from SPG Roofing & Exteriors. Chris Sheets of SPG was instrumental in helping USAA see the light in a more fair estimate after an initial under-estimate from the first USAA estimator. Once USAA was on the same page with SPG, Derek took over and managed the scheduling and quality control of the various workers who replaced my roof and renovated my two guest bedrooms. All was done efficiently and professionally. I could not be more pleased with the overall team at SPG Roofing and Exteriors. Highly recommended for their can-do and timely response to my storm damage.”