Roof Insurance, Explained Without the Runaround
Filing a claim shouldn't feel like a second job. Here's what actually happens, what to document, and what to do if your insurer says no. We work these claims with New Mexico homeowners every storm season.
Storm Events Near You
Recent hailstorms in our service area, mapped and verified — with what to do if your home was in the path.
See storm events Start hereFiling an Insurance Claim
What to document, when to call your insurer, and what an adjuster is actually looking for on your roof.
Read the guide New Mexico specificFiling After a Hailstorm in NM
State-specific timing, documentation, and what New Mexico adjusters see most on storm-damaged roofs.
Read the guide Working with your insurerWorking With Insurance Adjusters
Why having a contractor present during the inspection is normal practice, not an adversarial move.
Read the guide If you've been told noClaim Denied or Underpaid?
Your escalation path in New Mexico — written explanations, re-inspections, appraisal, OSI complaints, and the deadline that keeps running while you negotiate.
Read the guide What you'll get paidACV vs. RCV Explained
Actual cash value, replacement cost value, recoverable depreciation, and deductibles — the terms that decide what your check actually looks like.
Read the guide Know your rightsNew Mexico Consumer Protections
What state law requires of your insurer under NMSA § 59A-16-20, plus how to verify any contractor's license before you sign.
Read the guideNot Sure If You Even Have a Claim?
Most insurance questions start the same way: an honest look at the roof. Our Free Roof Report tells you plainly whether the damage is storm-related and claim-worthy, or normal wear that insurance won't cover — before anyone files anything.
Think you have storm damage?
A Free Roof Report gives you a documented answer — no pressure, no obligation.
Request Your Free Roof Report