Download these free PDFs and go into every conversation with your adjuster, contractor, and insurance company fully prepared. No email required — just click and save.
Print them before a storm hits or immediately after damage occurs. Bring them to adjuster inspections, contractor meetings, and when comparing estimates. Each PDF is plain-English — no roofing background required.
Storm season brings out contractors you've never heard of. These tools help you ask the right questions and compare bids side by side before you sign anything.
A 12-page plain-English checklist designed so any homeowner — regardless of roofing knowledge — can vet a contractor before signing. Every section includes a "good answer / walk away if" guide so you know exactly what red flags look like in real conversation. Works in any of the 13 coastal states.
Also see: How to Spot Contractor Fraud · Find a Licensed Roofer
A focused interview sheet with exactly 25 questions to ask any contractor before you hand over a deposit. Organized by topic so you can move through a conversation naturally — licensing, insurance, materials, timeline, payment terms, cleanup, and warranty. Contractors who can't answer these clearly are contractors worth avoiding.
Also see: Full 25 Questions Guide · Deposit & Payment Terms
Insurance claims involve dozens of phone calls, names, dates, and dollar amounts. These tools keep everything organized so nothing falls through the cracks.
A fillable 6-section tracker that follows your claim from the initial report all the way through final payout. Insurance adjusters keep detailed records — you should too. This sheet gives you a paper trail that's invaluable if your claim gets disputed, delayed, or denied. Print one copy per claim event.
Also see: How to File a Storm Roof Claim · Claim Denied? What to Do
Getting three estimates is smart — comparing them clearly is the hard part. This side-by-side worksheet lines up three contractor bids across the five categories that actually matter so you can see at a glance whether you're comparing apples to apples. Contractors scope jobs differently; this sheet exposes the gaps.
Also see: Browse Storm Guides · What to Look for in a Contract
The single most important thing you can do for a future insurance claim is create a clear before-the-storm record. These guides walk you through it step by step.
A photo-by-photo checklist for documenting your home before storm season — the same checklist public adjusters recommend to their own clients. When you file a claim after a storm, "before" photos are often the difference between full payment and a disputed settlement. Takes about 45 minutes to complete; worth every minute.
Also see: Pre-Storm Documentation Guide · Home Inventory Checklist
5-phase inspection sequence, 4 moisture detection methods, 6-section report requirements, and 10 inspector vetting questions.
NFIP verification, private excess flood review, storm surge confirmation, and pre-storm documentation — complete every April before hurricane season.
Master policy type reference, board actions, unit owner actions, loss assessment steps, and Florida post-Surfside compliance checklist.
The 5-section documentation package your insurer requires — revenue baseline, continuing expenses, variable costs saved, extra expenses, and period of restoration log.
Documents to gather before the inspector arrives, what they examine in each credit category, and post-inspection steps to capture your premium discount.
Downloaded your checklists? Now put them to work. How to request up to 3 competing estimates from licensed, insured roofers in your area — and vet each one.
Browse Storm Guides →