How to Navigate Insurance Claims for Storm Damage in Indianapolis
Central Indiana experiences severe weather year-round—from spring tornadoes to summer hail storms to winter ice. When storm damage hits your Indianapolis, Carmel, or Fishers property, knowing how to navigate the insurance claim process can mean the difference between a smooth repair and months of frustration.
Common Storm Damage in Central Indiana
Before diving into the claims process, understand what types of storm damage are most common for Indianapolis area homeowners:
- Hail damage - Dented shingles, cracked tiles, damaged gutters. Common in spring and summer storms.
- Wind damage - Missing or lifted shingles, damaged flashing, debris impact.
- Ice dam damage - Water penetration from ice backup during winter.
- Fallen tree damage - Branches or entire trees impacting roofs during storms.
Step-by-Step Insurance Claim Process
Document Everything Immediately
As soon as it's safe after the storm, document all visible damage with photos and videos. For Indianapolis properties, also note the date and time of the storm—this information appears in weather records that insurers reference.
Make Emergency Repairs Only
If there's active water intrusion, make temporary repairs to prevent further damage. Cover holes with tarps, board up broken windows. Keep all receipts—these are reimbursable. Don't make permanent repairs until the adjuster inspects.
File Your Claim Promptly
Contact your insurance company within 24-48 hours. Most Indiana policies require "prompt" notification. Have your policy number ready and provide basic information about the damage.
Get a Professional Roofing Inspection
Before the insurance adjuster arrives, have a licensed Indianapolis roofing contractor inspect and document the damage. Their detailed report becomes valuable evidence if there's a dispute.
Be Present for the Adjuster's Inspection
When the insurance adjuster inspects your property, be there. Share your contractor's report and photos. Point out all areas of damage. Take notes on what the adjuster says and does.
Review the Claim Decision Carefully
Compare the insurance company's estimate to your contractor's quote. If there's a significant difference, you have the right to negotiate or request a re-inspection.
What's Typically Covered (and What's Not)
Usually Covered
- Sudden storm damage (hail, wind, fallen trees)
- Structural repairs and replacement
- Emergency tarping and temporary repairs
- Some interior damage caused by roof leaks
Usually NOT Covered
- Pre-existing damage or wear and tear
- Gradual deterioration or age-related issues
- Damage from lack of maintenance
- Flood damage (requires separate flood insurance)
Understanding Your Indianapolis Insurance Policy
Deductibles
Many Central Indiana homeowners have separate wind/hail deductibles—often 1-2% of the home's insured value rather than a flat dollar amount. On a $400,000 Carmel home, that could be $4,000-$8,000.
Replacement Cost vs. Actual Cash Value
Replacement Cost Value (RCV) policies pay to replace your roof with new materials. Actual Cash Value (ACV) policies deduct depreciation—you'll receive less as your roof ages.
If Your Claim Is Denied or Underpaid
Don't accept the first answer if you believe your claim was unfairly handled:
- Request a written explanation of the denial or under-payment
- File a formal appeal with additional documentation
- Request a re-inspection with your contractor present
- Contact the Indiana Department of Insurance if you believe you're being treated unfairly
- Consider a public adjuster for complex claims (they work for you, not the insurance company)
How CPM Helps Indianapolis Homeowners with Insurance Claims
At Complete Property Management, we've helped hundreds of Indianapolis, Carmel, Fishers, and Noblesville homeowners navigate storm damage claims since 2023. Our process includes:
- Free storm damage inspection with detailed documentation
- Meeting with insurance adjusters on your behalf
- Line-item estimates that match insurance industry formats
- Assistance with supplement claims if additional damage is discovered
- Quality repairs backed by our 10-year workmanship warranty
Storm Damage? We Can Help.
Free inspections and insurance claim assistance for Indianapolis area homeowners.