Storm damage? You handle the deductible. Insurance can handle the rest.

Start with the basics in your home insurance policy. You want to know whether storm, wind, or hail damage is covered and what deductible applies before the claim conversation starts.

• Look at your home insurance policy.
• Check whether storm, wind, or hail damage is covered.
• Find your deductible and whether the roof is covered as replacement cost or actual cash value.

Azocar inspects the roof, gutters, siding, flashing, and visible exterior damage. We document what can be seen safely from the roof and from the ground so the condition is clear.

• Missing, lifted, creased, or torn shingles.
• Siding, gutter, fascia, or exterior storm damage.
• Interior leaks, ceiling stains, and water paths connected to the storm.

If the inspection points to possible covered storm damage, Azocar explains the photos, roof condition, and repair or replacement scope in plain language before you open the claim.

• You know what damage was found.
• You know which photos and notes matter.
• You can decide whether to continue into the insurance claim process.

The homeowner opens the claim with the insurance company. Report the date of loss if you know it, the type of storm, and that you are requesting a roof inspection for storm damage.

• Call your insurance company or file through their claims portal.
• Give the date of loss and type of storm if you know them.
• Ask for the adjuster information and claim number.

The insurance adjuster visits the property to inspect the roof. When scheduling allows, Azocar can be present to point out the documented damage and help make sure the roof condition is not missed.

• The adjuster inspects the roof and exterior damage.
• Azocar can point out damage, roof details, and code-related items when present.
• The insurance company still makes the coverage decision.

After the adjuster review, the insurance company may send an itemized document often called a Scope of Loss. It shows what they are paying for, less the deductible and any depreciation or uncovered items.

• Azocar reviews the line items against the roof work needed.
• We look for missing materials, code items, and pricing gaps.
• If something looks off, you can ask the carrier about the scope.

Once the approved scope, signed estimate, and first payment are ready, Azocar orders materials and schedules the roof installation. Most asphalt shingle replacements finish in one to two days when weather cooperates.

• Confirm the approved roof scope.
• Collect the project deposit when the claim funds are ready.
• Schedule materials, crew, property protection, and cleanup.

After the roof is complete, Azocar provides completion paperwork and final invoicing. If the policy includes recoverable depreciation, the insurance company may release the held-back funds after proof of completion.

• Azocar completes the roof and final cleanup.
• Completion paperwork goes to the homeowner and insurance company as needed.
• Final payment closes out the deductible and approved insurance funds.