The Truth About Roof Insurance Claims in Nebraska

Dealing with roof damage is stressful enough — but navigating the insurance claim process? That can feel overwhelming, especially here in Nebraska, where hailstorms, high winds, and severe weather are all too common. At Rocket Roofing, we’ve helped countless homeowners in Omaha and beyond work through roof insurance claims. Here’s what you need to know to protect your home, your wallet, and your peace of mind.

Understand What Your Policy Actually Covers

One of the biggest misconceptions about roof insurance is assuming everything is covered. The reality? Policies vary, and not all damage qualifies for reimbursement. Most homeowners’ insurance covers sudden, accidental damage — things like hail, wind, or falling tree limbs. But general wear and tear, poor maintenance, or pre-existing issues usually aren’t covered. It’s critical to review your policy regularly and ask your insurance agent to explain the details. Knowing your deductible, coverage limits, and any exclusions upfront will save you headaches later.

Why Nebraska Homeowners File So Many Roof Claims

Nebraska’s unpredictable weather makes roof damage a common occurrence. Hailstorms, straight-line winds, and even tornadoes can cause significant destruction in a matter of minutes. In fact, Nebraska consistently ranks among the top states for hail-related insurance claims.

Unfortunately, this also means the region attracts out-of-town “storm chasers” — companies that swoop in after storms, offering quick fixes but often disappearing just as fast. Working with a trusted, local roofer like Rocket Roofing ensures your repairs are done right and your warranty actually means something.

The Insurance Claim Process Step by Step

1. Inspect for Damage: After a major storm, inspect your property. Look for missing shingles, dents in gutters, or granules collecting near downspouts. You can also call a professional for a free inspection.

2. Document Everything: Take clear photos of any visible damage, both up close and wide shots. Keep records of the date and time of the storm if possible.

3. Contact Your Insurance Company: File a claim promptly. Your insurance company will assign an adjuster to inspect the damage.

4. Partner with a Local Roofing Expert: It’s smart to have your own roofer present during the adjuster’s visit. At Rocket Roofing, we advocate for homeowners to ensure damage isn’t overlooked and your claim is fairly assessed.

5. Review the Estimate: Once the adjuster provides their estimate, compare it with your roofer’s assessment. If there are discrepancies, your roofer can help provide additional documentation or clarification.

6. Schedule Repairs: After approval, your trusted roofing company will complete the repairs or replacement, restoring your home’s protection and value.

   
   

Common Pitfalls to Avoid

• Delaying the Claim: Most policies have strict deadlines for filing claims after storm damage. Don’t wait.

• Skipping Professional Inspections: Some damage, especially from hail, isn’t visible from the ground. A trained roofer can spot hidden issues.

• Working with Unlicensed Contractors: Always verify a roofer’s credentials. Rocket Roofing is fully licensed, insured, and backed by an A+ BBB rating.

  
  

How Rocket Roofing Makes the Process Easy

We’re not just here to fix your roof — we’re here to guide you through the entire insurance process. From free inspections to meeting with adjusters to handling quality repairs, we make sure your roof — and your claim — are in good hands.

About Rocket Roofing

Rocket Roofing is a 100% locally owned and operated roofing company serving Omaha, Nebraska, and the surrounding communities. As a part of the community, we understand the importance of delivering quality workmanship and excellent customer service. With our commitment to excellence and our A+ Better Business Bureau rating, you can trust us to handle all your roofing needs with integrity and professionalism. Contact us today at (402) 291-8888 for a free consultation and experience the Rocket Roofing difference.