Printable hurricane, hail and roof claim checklists
Every checklist in the Cape Fear Storm Center, gathered on one page. Print them before hurricane season and keep them with your policy papers.
Last reviewed against official sources. General information, not insurance or legal advice.
Quick answer
Print the hurricane season list, the policy and NCIUA review, and the question lists for your insurer, adjuster and roofer. Write the answers down as you go and keep them in your claim folder.
Hurricane evacuations and power outages make phones unreliable, so a paper copy helps. Each list below links back to the full guide.
- Cape Fear hail walk-around
- Questions for a Cape Fear roofer
- After-hail checklist for coastal homes
- Coastal policy check
- First-call questions for your insurer or NCIUA
- Coastal roof inspection questions for the adjuster
- Cape Fear hurricane season roof checklist
Cape Fear hail walk-around
- Write down when the storm hit and the biggest stone you saw; photograph a few stones beside a coin or tape measure.
- Circle the house once: look at gutters, downspouts, screens, window trim and siding on the side the storm came from.
- Check the heat pump or AC fins, the grill, mailbox and any metal porch roof for bright, fresh dents.
- Compare fresh dents with older salt-air corrosion or pitting so you can point out the difference later.
- Look in gutters and at downspout outlets for a new pile of shingle granules.
- Zoom in on each roof slope from the yard or a window. Stay off the roof, especially if it is wet or metal.
- If you have a NCIUA wind and hail policy, note its policy number with your photos; it may be the policy that responds.
- Check the attic and upstairs ceilings after the next few rains, including wind-driven rain from the east.
- Save everything in one dated folder: photos, notes, receipts and any contractor cards left at your door.
Questions for a Cape Fear roofer
- Is your company licensed by the NC Licensing Board for General Contractors? License number: ____ (needed for jobs of $40,000 or more)
- Please have your insurance agent send me your liability and workers' compensation certificates.
- Where is your office in New Hanover, Brunswick or Pender County, and how long have you worked here?
- Who will be on my roof: your own crew or a subcontractor? Who is the supervisor?
- Will you put the price, scope and materials in a written, itemized contract?
- Which shingle or metal panel will you use, and what wind rating does it carry?
- Will you use corrosion-resistant fasteners and flashing suited to salt air?
- Who pulls the permit, and which office (county or beach town) will inspect it?
- What is your workmanship warranty, in writing, and for how long?
- Will you register the manufacturer's warranty, and send me the confirmation?
- What is your price per sheet if you find rotten decking?
- What is the payment schedule? (Small or no deposit; final payment after the final inspection.)
- Will you provide lien waivers from suppliers and subcontractors?
- How do I cancel, and what notice of cancellation rights will you give me?
- Can I see two or three local roofs you finished in the past year?
After-hail checklist for coastal homes
- Thunder has stopped and no lines are down near the house.
- Largest hailstones photographed next to a coin or ruler, with the time noted.
- Photos of all four sides of the house, each roof slope from the ground, and the heat pump.
- Close-ups of dented gutters, vents, screens, trim, cars or boats.
- Any opening tarped or boarded; receipts and photos of the temporary repair kept.
- Declarations pages checked: which policy covers wind and hail, and what that deductible is.
- Claim reported; claim number and adjuster name written down.
- Two or more local roofers contacted; license (if the job is $40,000 or more), insurance and address checked.
- Nothing signed at the door; any contract read in full and kept.
- Attic and ceilings checked after the next few rains.
- Call and email log started with dates, names and what was said.
- Folder (paper or cloud) holding every photo, receipt, letter and estimate.
Coastal policy check
- Do I have one policy or two (homeowners plus NCIUA wind and hail)? Policy numbers for each:
- Dwelling (Coverage A) limit on each declarations page:
- All-perils deductible:
- Named-storm or hurricane deductible (percent and dollar amount):
- Wind/hail deductible, if separate:
- Roof paid at replacement cost, actual cash value, or on a roof payment schedule?
- Cosmetic damage exclusion for metal roofs or other surfaces?
- Ordinance or law (code upgrade) coverage and its limit:
- Additional living expense (Coverage D) limit and time limit:
- Flood policy (NFIP or private)? Policy number and deductible:
- Duties after loss: notice, protecting the property, proof of loss, inspection:
- Deadline for sworn proof of loss (often 60 days unless extended):
- Deadline to sue under the policy:
- Mortgage company named on the policy (they may be on the claim check):
First-call questions for your insurer or NCIUA
- What is my claim number, and who is my adjuster (name, phone, email)?
- Which policy is handling this: my homeowners policy or my NCIUA wind and hail policy?
- Which deductible applies to this storm, and what is it in dollars?
- Does a named-storm deductible apply? If so, why?
- Is my roof covered at replacement cost, actual cash value, or on a schedule?
- Does my policy have a cosmetic damage exclusion?
- What temporary repairs should I make now, and will you reimburse them?
- Can I hire my own roofer, and do you need their estimate?
- When will the inspection be, and can my roofer attend?
- Do you need a sworn proof of loss, and by what date?
- Is there additional living expense coverage if I cannot stay in the house?
- How is recoverable depreciation paid, and what is the deadline to claim it?
- Who will be named on the checks? Will my mortgage company be included?
- If wind and water damage overlap, how are the homeowners and NCIUA claims coordinated?
- What is the best way to send photos and documents, and will you confirm receipt?
Coastal roof inspection questions for the adjuster
- Who do you work for: the insurer as staff, an independent firm, or NCIUA?
- What storm damage did you find on each slope, and how many hits per test square?
- How did you separate wind or hail damage from salt-air corrosion and age?
- Did you inspect the ridge caps, edges and rakes for lifted or creased shingles?
- Did you check gutters, vents, flashing, the heat pump, screens and siding?
- Do you recommend repair or replacement, and what threshold did you use?
- Can damaged shingles be repaired without breaking the ones around them?
- Will replacement shingles or panels match? If not, how is that handled?
- Which code-required items (underlayment, drip edge, fastening) are included?
- Are steep, high or two-story charges included where they apply?
- How was depreciation calculated, and is it recoverable?
- When will I get the written estimate and your photos?
- If my roofer finds more damage during tear-off, how do we submit a supplement?
- How do I request a reinspection if I disagree?
- Who decides the claim, and when will I hear?
Cape Fear hurricane season roof checklist
- By June 1: take dated photos of the roof and every side of the house.
- Write down your named-storm or hurricane deductible: ____% of Coverage A = $____
- Do you have an NCIUA wind policy? Policy number: ____
- Do you have flood insurance? (New NFIP policies usually wait 30 days.) Y / N
- Clean gutters and have overhanging limbs trimmed, especially live oaks and pines.
- Plan where porch furniture, grills, kayaks and trash cans will go.
- Keep tarps, plywood, screws and a ladder ready; know your shutoffs.
- Save your insurer, NCIUA and flood carrier phone numbers in your phone.
- After landfall: photograph damage and any water line before cleanup.
- Report each claim separately and write down each claim number.
Policies vary. Check your own policy and ask your insurer or agent about anything that affects your claim. Laws and rules can change; this page reflects official sources as of October 29, 2026. WilmingtonNCRoofer.com is not a contractor, insurer, adjuster or law firm.
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