The Homeowner’s Guide to Roof Insurance Claims
Kansas storms don’t just shake windows—they shake homeowners’ nerves. After hail or high winds, most people have the same questions:
“Is this real damage? Should I file a claim? What will my insurance cover? Who do I call first?”
If you live in Leavenworth County or the Greater Kansas City area, you’re already in one of the most hail-prone regions in the country. Knowing how roof insurance claims work can save you time, money, and frustration.
This guide will walk you through:
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When to call for roof insurance claim help
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What hail damage insurance companies in Kansas look for
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The exact steps of the claims process
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How Invictus Roofing helps you navigate roofing and insurance from start to finish
🌩 When Should You File a Roof Insurance Claim in Kansas?
Not every storm requires a claim—but some absolutely do. You should consider a claim when:
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A recent hail or wind storm hit your neighborhood
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You notice missing, creased, or cracked shingles
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You see granules piling up in gutters or at downspouts
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There are water spots on ceilings or walls
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Neighbors are getting their roofs inspected or replaced
Tip: Don’t rely on “storm chaser” roofers who show up right after hail. Work with a local Kansas roofing company that understands both roofing and insurance. Invictus Roofing is based right here and knows how Kansas carriers handle hail damage insurance claims.
🪜 Step-by-Step: How a Roof Insurance Claim Works
Here’s the typical process for a roof insurance claim in Kansas, broken down into clear steps:
1. Get a Professional Roof Inspection First
Before you call your insurance company, schedule a free roof inspection with a trusted local roofer like Invictus.
We will:
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Safely access and inspect your roof
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Document hail and wind damage with photos and video
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Check gutters, vents, flashing, and soft metals for impact marks
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Tell you honestly if the damage is likely to meet insurance standards
If there’s not enough damage to justify a claim, we’ll tell you. No pressure, no scare tactics.
2. Contact Your Insurance Company
If damage is present, the next step is to open a claim.
When you call, be ready to provide:
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Date of the storm (or best estimate)
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Description of what you noticed (leaks, missing shingles, hail size, etc.)
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Your policy number
You don’t need to know all the technical roofing terms—that’s our job. Just explain what you saw and let them know a local roofer has already inspected your roof.
3. Schedule the Adjuster Inspection
Your insurance company will assign a field adjuster to inspect your roof.
This is a critical step. The adjuster’s report largely determines whether your claim is approved and how much will be paid.
This is where Invictus Roofing makes a big difference.
We can:
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Meet the adjuster on-site
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Point out storm-related damage they might miss
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Provide photos, storm data, and details from our inspection
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Help clarify roofing and code requirements for your area
You’re allowed to have your roofer present—and you should.
4. What Insurance Adjusters Look For
Adjusters are trained to separate storm damage from wear and tear. On a Kansas roof, they’ll look for:
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Hail impacts on shingles: bruising, fractures, or missing granules
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Wind damage: lifted, creased, or missing shingles
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Soft metal dents: on vents, gutters, flashings, and AC units
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Age and condition: Is the roof near the end of its life?
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Maintenance issues: clogged gutters, prior repairs, improper installation
Their job is to determine if your roof has enough functional damage from a specific storm event to justify repair or replacement under your policy.
5. Claim Approval, Scope of Work & Paperwork
If the claim is approved, you’ll receive:
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A statement of loss (estimate) from your insurance carrier
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A breakdown of:
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Total replacement cost
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Your deductible
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Depreciation (often recoverable after work is complete)
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Invictus Roofing will review this scope line-by-line to ensure it:
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Meets local building codes
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Includes all necessary materials (underlayment, flashing, vents, etc.)
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Accurately reflects the real work your roof needs
If something is missing, we can help request a supplement from the insurance company with proper documentation.
6. Roof Replacement or Repair
Once the scope is agreed upon:
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You choose your shingle type, color, and any upgrades (like impact-resistant Class 4 shingles).
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Invictus schedules your installation.
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We complete the roof according to manufacturer standards and local Kansas code.
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We document the finished work for your records and the insurance carrier.
You pay your deductible directly to the roofer—by law, no ethical contractor should “eat” or waive your deductible.
7. Final Inspection & Recoverable Depreciation
After the work is done:
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Your insurance company may perform a final inspection.
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Once they confirm the job is complete, they release any recoverable depreciation.
In many cases, that means you end up with a brand-new roof for the cost of your deductible.
⚠ Common Mistakes Homeowners Make with Roof Insurance Claims
To protect yourself, try to avoid these pitfalls:
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Waiting too long to file (many policies have strict deadlines after the storm)
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Letting out-of-state storm chasers handle everything
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Filing without an inspection and then getting denied for “no damage found”
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Not having a roofer present with the adjuster
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Assuming all damage is cosmetic and not worth claiming
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Signing contracts before you understand the scope and cost
A local, reputable company like Invictus can help you avoid these mistakes and protect both your roof and your wallet.
🛡 How Invictus Roofing Helps with Roof Insurance Claims in Kansas
Invictus Roofing isn’t just a roofing installer—we’re your storm damage partner.
Here’s how we help homeowners in Leavenworth County and the Greater Kansas City area:
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Free, honest roof inspections after hail and wind events
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Detailed damage documentation with photos and videos
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On-site support during adjuster inspections
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Review of all insurance paperwork and scope of work
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Help with supplements when something needed is missing
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Code-compliant installations that protect your home long-term
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Clear communication so you always know what’s happening
We don’t exaggerate damage. We don’t pressure you. We simply tell the truth about your roof—and then help you navigate the roofing and insurance process from start to finish.
✅ When in Doubt, Start with an Inspection
If you suspect hail or wind damage—or you’re just not sure—don’t guess.
🔷 Schedule a roof inspection with Invictus Roofing today.
We’ll give you straightforward answers about the condition of your roof and whether a roof insurance claim is in your best interest.
LEARN MORE:
–Roof Repair vs. Roof Replacement
VISIT our website to learn more about how Invictus Roofing can help with your insurance questions.
CALL Invictus Roofing TODAY!!! (913) 214-0014
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