Roofing Insurance Claims

Roofing Insurance Claims in Grand Rapids

A Local Roofing Team That Guides You Through the Claims Process

Storm damage is stressful. The insurance process that follows doesn’t have to be. Moore & Sons Roofing is a second-generation, family-owned roofing company that has served Grand Rapids and surrounding West Michigan communities since 2007. We’re licensed and insured, and we work alongside homeowners from the initial damage inspection through adjuster coordination, claim approval, and completed repair or replacement.

If your roof has taken a hit from hail, wind, or falling debris, a free inspection is the right first step. Our team documents the damage, prepares a detailed assessment to support your claim, and can be present when your adjuster visits. We serve Grand Rapids homeowners in English and Spanish.

Call us at (616) 779-5824 to schedule your free storm damage inspection. There’s no obligation, and having a professional report before you file puts you in a much stronger position with your insurer.

Credentials Grand Rapids Homeowners Can Verify Before They Sign

After a storm, out-of-area contractors appear quickly and pressure homeowners to act fast. Moore & Sons Roofing has been rooted in the Grand Rapids area for nearly two decades. We don’t chase storms. We’re here because this is our community.

Before you agree to any roofing work, you should be able to look up the contractor. Here’s what you’ll find when you look us up:

BBB Accreditation with an A+ Rating: Independently verified and publicly searchable.
Owens Corning Platinum Preferred Contractor: One of the highest designations available from a leading roofing manufacturer.
NRCA Membership: The National Roofing Contractors Association holds members to established industry standards.
Licensed and Insured: Fully covered, protecting you and your home throughout the project.
Materials from Top Brands: We work with Owens Corning, CertainTeed, Atlas, and 3M.

One Grand Rapids homeowner, Brian J., noted that our team helped him navigate insurance coverage during his roofing project. That’s the kind of hands-on guidance we bring to every claim. Flexible financing options are available to help manage any out-of-pocket costs your settlement doesn’t cover, and emergency services are available when you can’t wait.

How the Roofing Insurance Claims Process Works

Most homeowners haven’t filed a roofing insurance claim before. Here’s how we guide you through it, step by step.

Step 1: Free Roof Inspection

We start with a thorough inspection at no cost to you. Our team examines the full roof surface, flashing, gutters, and any interior signs of water intrusion. This isn’t a quick walk-around. We document what we find with photos and a detailed written assessment.

Step 2: Damage Documentation

A professional inspection report from a licensed roofing contractor gives your claim real support. It provides documented evidence beyond what a homeowner can observe from the ground and establishes a clear record of storm-caused damage separate from normal wear.

Step 3: Adjuster Coordination

A Moore & Sons representative can be present during your insurance adjuster’s inspection. Secondary damage, such as compromised flashing, damaged underlayment, or dented gutters, is easy to miss without a trained eye on-site. Having us there helps include the full scope of damage in your adjuster’s estimate.

Step 4: Claim Approval & Completed Work

Once your claim is approved, we complete the repair or replacement using quality materials from the brands your insurer and our team stand behind. Most Michigan homeowners insurance policies require claims to be filed within a defined window after the damage event, so acting promptly after a storm protects your right to coverage. After approval, you’re typically responsible only for your deductible, and you generally have the right to choose any licensed contractor for the work.

Storm Damage to Grand Rapids Roofs Commonly Covered by Insurance

Not every roofing issue qualifies for an insurance claim, but storm-caused damage often does. Knowing what’s typically covered helps you decide whether a professional inspection is worth the call.

Hail Damage: Granule loss, dented or cracked shingles, and damaged flashing are among the most frequently approved roofing claims in Michigan after a hailstorm.
Wind Damage: Missing or lifted shingles, exposed roof decking, and damaged ridge caps caused by high winds are typically covered under standard homeowners policies.
Falling Debris: Tree branches or other debris that puncture or crack roofing materials are generally treated as sudden, accidental damage and covered accordingly.
Ice Dam Damage: Ice dams that form along eaves during West Michigan winters can force water beneath shingles and into the home. Coverage depends on your policy language and how the damage is documented.
Storm Damage to an Aging Roof: Pre-existing wear isn’t covered, but storm-caused damage to an older roof may still be partially or fully claimable. A professional inspection helps distinguish one from the other.

How to Vet a Roofing Contractor After a Storm

After severe weather in the Grand Rapids area, canvassing contractors appear quickly. Some are legitimate. Others are storm chasers: out-of-area contractors who move from market to market after major weather events, often pressuring homeowners to sign contracts before a proper inspection is completed.

Red flags include contractors who can’t provide a local physical address, offer to waive your insurance deductible, or ask for a signed contract before finishing an inspection. On that last point: in Michigan, a contractor waiving, absorbing, or rebating a homeowner’s insurance deductible is considered insurance fraud. If a contractor offers to cover your deductible, that’s a warning sign, not a benefit.

Moore & Sons Roofing has operated in the Grand Rapids area since 2007. Our BBB A+ rating, Owens Corning Platinum Preferred Contractor designation, and NRCA membership are all publicly verifiable. We provide free estimates with no contract required and no upfront payment. You can look us up, check our credentials, and decide on your own timeline.

Preparing for Your Insurance Adjuster’s Visit

A little preparation before the adjuster arrives can make a meaningful difference in your settlement. Here’s what homeowners can do on their own, and where we step in.

What You Can Do Right After the Storm

Photograph all visible exterior damage as soon as it’s safe to do so: the roof surface, gutters, downspouts, and any interior water damage. Document the storm date and time, and note any official weather event reports covering the Grand Rapids area. If you make temporary repairs to prevent further damage, such as tarping an exposed section, keep all receipts. Temporary repairs are typically reimbursable under homeowners insurance.

How We Support the Adjuster Visit

A Moore & Sons representative can coordinate directly with your adjuster and be on-site during the inspection. Our documented damage report, with photos and a written assessment, gives the adjuster a complete picture and creates a paper trail if questions arise later.

If the Adjuster’s Estimate Comes in Low

A lower-than-expected adjuster estimate isn’t the end of the process. Homeowners can request a reinspection, submit supplemental documentation, or appeal the decision. A licensed contractor’s detailed report is a valuable tool in that conversation, and we can help you understand your options.

Actual Cash Value vs. Replacement Cost Value

Before your adjuster visit, review your policy’s payout provisions. Actual cash value (ACV) policies pay the depreciated value of the damaged roof. Replacement cost value (RCV) policies cover the full cost to replace it at current prices. Knowing which you have shapes the conversation with your adjuster from the start.

Why Choose Us?

Benefits of Working With an Expert Team

Your Satisfaction Guaranteed

We're so confident in our work, we guarantee it.
Emergency Services Available

Get immediate help when you need it most.
Licensed & Insured
Our team is fully licensed, insured, and vetted.
Providing Service in Spanish
Work with a roofer who speaks your language.
Offering 100% Free Quotes

Begin your project today with a free estimate.
Financing Options Available

We provide financing to help you plan ahead.

Financing Options for Grand Rapids Homeowners After a Claim

Even with an approved insurance claim, you’re still responsible for your deductible. Depending on your policy, that can be a significant out-of-pocket amount. Moore & Sons Roofing offers flexible financing options to help cover costs your settlement doesn’t address. A transparent, itemized estimate makes it easy to see exactly what your insurance covers and what, if anything, you’ll owe directly.

Get a Free Roof Inspection from a Grand Rapids Team You Can Trust

If your roof took storm damage, the first move is a professional inspection. Our team can document what we find, walk you through your options, and help you approach your insurance claim with a complete, accurate record. We’ve been doing this in Grand Rapids and across West Michigan since 2007, and we’re here to help you get Moore for less.

We offer free roof inspections with no obligation, emergency services when you need them, and support in English and Spanish. Call Moore & Sons Roofing at (616) 779-5824 to schedule your free storm damage inspection today.

Common Questions About Roofing Insurance Claims

Do I Need to File My Claim Before Calling a Roofer?

No. Calling a licensed contractor first is actually the recommended approach. A professional inspection produces documented evidence that supports your claim filing. We provide free inspections as the starting point for any roofing insurance claim.

Will My Insurance Cover a Full Replacement or Just Repairs?

It depends on the extent of storm damage and your specific policy terms. If repairs can’t restore the roof to its pre-damage condition, many insurers will approve a full replacement. Our inspection report helps establish the scope of damage, which is the foundation of that determination.

Can My Insurance Company Require Me to Use a Specific Contractor?

In most cases, no. Michigan homeowners generally have the right to choose any licensed roofing contractor for insurance-covered work. Some policies include preferred contractor endorsements or right-to-repair provisions, so it’s worth reviewing your policy language before work begins.

What If the Adjuster’s Estimate Is Lower Than the Contractor’s?

You can request a reinspection, submit supplemental documentation, or appeal the initial decision. We work with all major insurance carriers and can assist with this step.

How Long Do I Have to File After Storm Damage in Michigan?

Most homeowners insurance policies require claims to be filed within a defined window after the damage event, but policy language varies. Check your specific policy for the exact deadline. If you’re dealing with active damage, such as an open leak or exposed decking, our emergency services are available now.

Reviews & Testimonials

Hear From Our Happy Customers

“Helpful & Informative”
“I just had my garage roof done by Moore & Sons and I couldn't be happier. They were really easy to work with and even helped me with my insurance coverage. They were very efficient and the Job was well done!”

- Brian J.
“Quality Workmanship”
“I was completely satisfied with the workmanship and professionalism of all involved and will definitely be recommending Ed and company to others! Thanks, guys!”

- Lynne W.
“Very Impressive”
“I couldn't be happier with my new roof. If you’re looking for a trustworthy company that cares about its customers and wants you to have the best roof possible, call Moore and Sons!!!”

- Jordan R.
“Prompt & Professional”
“The crew was skilled, respectful and left a clean work site. My project came out beautifully and if I ever need another roof this will be the one and only company I’ll use.”

- Kelli K.
“Excellent Service”
“Great personal service from owners who really care about the customer. Explained exactly what needed to be done, used high quality materials and the whole job turned out well. In my opinion they’re THE BEST at their craft!!”

- George M.
“Very Professional”
“Very impressed with materials, workmanship and professionalism. They even sent someone over the morning after the job was completed to inspect and make sure all was left in good order.”

- David N.
“Amazing Job”
“They put our new roof on last summer. It was a big job and they had an amazing crew that knocked it out in two days. I was astounded by the professionalism and speed with which they got the job done.”

- Kurt D.
“Great Company”
“Phenomenal job and work on our new roof! Great people and company - highly recommend!”

- Spencer T.

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Our FAQ

Have questions? We are here to help. Still have questions or can't find the answer you need? Give us a call at 616-779-5824 today!

How does metal roofing handle snow and ice?

Metal’s smooth surface enables snow to slide off more easily than other materials, preventing damaging ice dams. Additionally, many metal roofing systems can be outfitted with snow retention systems when necessary.
Is it possible to install a metal roof over my current roofing system?

Indeed, metal roofing’s lightweight nature could allow installation directly over existing asphalt shingles, which helps avoid tear-off costs and reduces waste. Our team will assess your situation to gauge the feasibility of this option.
Are metal roofs noisy during rainstorms?

This misconception is widespread. Modern metal roofs have insulation and underlayment that significantly dampen noise. When installed correctly, they do not create more noise than other roofing materials in the rain.

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