How to File a Roof or Siding Insurance Claim in Syracuse, NY
A practical and technical guide for homeowners after windstorms, snowstorms, or severe weather — and why having Z&J Contracting on your side makes all the difference.
By Z&J Contracting Team
Expert Roofers in Syracuse, NY
Watch the Full Insurance Claim Video
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Watch our visual guide to understand the damage types common in NY.
Introduction
Severe weather is a reality in Syracuse, NY. High winds, heavy snow, ice storms, and seasonal transitions frequently cause significant damage to roofs and siding.
Filing an insurance claim correctly can determine whether your insurance pays what it should — or denies or underpays your request. At Z&J Contracting, we’ve helped many homeowners get fair approvals by guiding them through every step of the claim process.
1. Evaluate the Damage Safely
Do a visual inspection from the ground or windows. Look for:
- Missing, lifted, or cracked shingles
- Dented siding or debris impact
- Leaks or ceiling stains
2. Document Everything
Take clear photos from multiple angles and record short videos. Keep any receipts of maintenance or temporary protection (tarps, plywood).
3. Review Your Policy
Understand exactly what your policy covers:
- Wind & Storm damage coverage
- Deductibles and limits
- Exclusions (common in older policies)
4. Contact Contractor Before Insurance
The adjuster works for the insurance company. With a professional inspection from Z&J Contracting, you gain a technical, written assessment and evidence the adjuster cannot ignore.
5. File the Insurance Claim
Submit your documentation, call your insurer, and request the adjuster visit your home. Keep a record of reference numbers.
6. Have Z&J Present at Adjuster Meeting
We meet the adjuster on-site to:
- Present the technical report
- Explain the cause and extent of damage
- Ensure the adjuster does not minimize issues
7. Approval & Repairs
Once approved, we begin the restoration with certified materials and full NY building code compliance.
Don’t Navigate the Insurance Maze Alone
Get a free, no-obligation inspection before you file. We identify damage others miss.