View Details
Lancaster, OH
Storm Damage Roof Repair & Insurance Claims Assistance
Storm damage to your roof requires immediate professional assessment to prevent secondary damage and ensure proper insurance documentation.
24/7 Emergency Service
66 Five-Star Reviews
Insurance Claims Help
Related Services
Types of Roof Storm Damage in Central Ohio
Central Ohio experiences an average of 2-3 significant hail events annually, with Columbus recording 42 hail reports and 95 severe weather warnings in the past 12 months alone. Understanding storm damage types helps you identify problems early.
Recent Storm Damage?
Don't wait for a small leak to become a major problem. Schedule your free storm damage inspection today. We document all damage and help you navigate the insurance claim process. Call (614) 635-7550 now.
Storm History 2022–2025
Central Ohio Storm Event Database
Verified storm events from National Weather Service data. Ohio homeowners have up to 1 year from storm date to file insurance claims.
74
2024 Tornadoes
Record Year
13+
2025 Tornadoes
Through Apr
42
Hail Reports
Past 12 Mo
95
Severe Warnings
Past 12 Mo
1 yr
Claim Window
Ohio Law
| Date | Event Type | Severity | Impact |
|---|---|---|---|
| May 16, 2025 | Severe Thunderstorms + Hail | Severe | 1.5" hail, 60 mph gusts |
| Apr 2-3, 2025 | Tornado Outbreak + Hail | Severe | 7 EF0 tornadoes |
| Mar 30, 2025 | Tornado + Hail | Moderate | EF0 (85 mph), quarter hail |
| Apr 17, 2024 | Thunderstorms + Tornado | Severe | 1.5" hail, EF1 tornado |
| Mar 14, 2024 | Tornado Outbreak | Catastrophic | EF3 (136+ mph) |
| Feb 28, 2024 | Tornado Outbreak + Hail | Severe | 1.75" hail, EF0-EF2 |
| Aug 12, 2023 | Thunderstorms + Hail | Moderate | 1-1.5" hail |
| Jun 13-14, 2022 | Derecho | Extreme | 70-98 mph winds |
Source: National Weather Service, local news reports. Data verified January 2026.
Was Your Roof Affected?
If your property was in an affected area during any of these storms, you may have damage you haven't noticed. Schedule a free inspection to document any damage before your claim window expires.
How It Works
What Does Homeowners Insurance Cover?
Standard Ohio homeowners insurance covers roof damage from wind, hail, fire, falling trees, and lightning under "dwelling coverage." However, damage from neglect, normal wear and tear, and floods is typically excluded.
What's Typically Covered
What this solves
Most standard homeowners policies cover sudden, accidental damage from weather events. Here's what you can typically expect coverage for:
Covered Damage Types:
- Hail Damage: Dents, cracks, and granule loss from hailstones
- Wind Damage: Missing shingles, lifted edges, blown-off materials
- Fire Damage: Full roof damage from fires, including nearby structure fires
- Falling Trees & Debris: Damage from trees regardless of origin property
- Lightning Strikes: Direct hits and resulting fire damage
- Ice Dam Water Intrusion: Water damage from ice dam backup
Important Notes:
- Coverage applies to “sudden and accidental” damage
- Pre-existing damage or deferred maintenance may affect claims
- Document all damage immediately after storms
- File claims promptly—delays can result in denials
Most storm damage is covered, but proper documentation is essential for successful claims.
What's Typically NOT Covered
What this solves
Insurance doesn't cover everything. Understanding exclusions helps you plan for potential out-of-pocket expenses:
Common Exclusions:
- Normal Wear and Tear: Aging, weathering, and general deterioration over time
- Neglected Maintenance: Damage resulting from failure to maintain your roof
- Flood Damage: Requires separate flood insurance policy (NFIP or private)
- Earthquake Damage: Requires separate earthquake endorsement
- Gradual Deterioration: Slow damage that occurs over months or years
- Cosmetic Damage: Some policies exclude purely cosmetic issues
Gray Areas:
- Damage from animals or pests is sometimes excluded
- Mold resulting from covered damage may have limited coverage
- Some policies have “actual cash value” limits on older roofs
Not sure if your damage is covered? We help you understand your policy and advocate for fair coverage.
Replacement Cost Value (RCV)
What this solves
RCV policies pay to replace your damaged roof at current market prices, minus your deductible. This is the better coverage option for most homeowners.
How RCV Works:
- Full Replacement: Pays current market cost to replace your roof
- Two-Check System: Initial payment when claim approved, final payment after repairs complete
- Depreciation Holdback: Insurance holds back depreciation until work is finished
- Better Value: You receive enough to actually replace your roof properly
Example:
If your 10-year-old roof is damaged and costs $15,000 to replace:
- Initial check: ~$10,000 (replacement cost minus depreciation and deductible)
- Final check: ~$4,000 (depreciation released after repairs complete)
- Your cost: Deductible only (typically $500-$2,500)
Recommendation: If you have RCV coverage, always complete the repairs to receive the full claim amount.
RCV is the gold standard—you pay only your deductible to get a new roof at current prices.
Actual Cash Value (ACV)
What this solves
ACV policies pay the depreciated value of your roof based on its age and condition. This leaves you responsible for the difference between the payout and actual replacement cost.
How ACV Works:
- Depreciated Value: Pays what your roof is “worth” today, not replacement cost
- Age Penalty: Older roofs receive significantly less coverage
- One Check: Single payment based on depreciated value minus deductible
- Gap Payment: You pay the difference between payout and actual replacement cost
Example:
If your 15-year-old roof is damaged and costs $15,000 to replace:
- Depreciated value: ~$7,500 (50% depreciation over 15 years)
- Insurance pays: ~$6,500 (minus $1,000 deductible)
- Your cost: $8,500+ (deductible plus depreciation gap)
What to Do: If you have ACV coverage, consider upgrading to RCV at your next policy renewal. The premium difference is usually minor compared to potential out-of-pocket costs.
ACV can leave you thousands short of what you need for proper repairs. Check your policy now.
How to File a Roof Insurance Claim in Ohio
Filing a roof insurance claim requires documenting damage, contacting your insurer, scheduling an adjuster inspection, and coordinating repairs. Having a professional roofer present during the adjuster's inspection significantly improves claim outcomes.
Document the Damage
Thorough documentation is the foundation of a successful claim:
- Take photos and videos from multiple angles
- Include wide shots and close-ups of damage
- Document interior damage (water stains, leaks)
- Note the date and time of the storm
Contact Your Insurance Company
File your claim promptly to avoid complications:
- File claim within policy timeframe (up to 1 year in Ohio)
- Earlier filing reduces denial risk
- Get claim number and adjuster contact information
- Request a copy of your policy if needed
Schedule a Professional Inspection
Expert assessment strengthens your claim:
- KFX provides free storm damage inspections
- Professional documentation supports your claim
- Identifies damage untrained eyes often miss
- Creates detailed report with photos
Meet with the Insurance Adjuster
We attend adjuster meetings at no cost to you:
- We ensure all damage is properly documented
- Provide professional perspective on repair scope
- Answer technical questions about roofing systems
- Advocate for fair assessment of damage
Review the Insurance Estimate
Understand what your insurance is offering:
- Understand RCV vs. ACV coverage differences
- Compare estimate to professional assessment
- Identify any missed damage or undervalued items
- Know your policy's deductible amount
File a Supplement if Needed
Additional damage is often discovered during repairs:
- Hidden damage often found during tear-off
- KFX handles all supplement documentation
- Ensures you receive fair compensation
- No additional cost for this service
Complete Your Repairs
Get your roof back to pre-storm condition:
- Pay only your deductible (typically $500-$2,500)
- Insurance pays contractor directly or reimburses you
- RCV policies issue final payment after work completion
- Receive warranty documentation for all work
Kris led me through the insurance process, creating a positive and supportive experience for me and my family. His professionalism, kindness, and expertise stood out during what could have been a stressful situation.— Ryan A., Homeowner
Weather Conditions
Know Your Rights: Ohio Insurance Claims
Ohio homeowners have specific rights when filing insurance claims. Understanding these protections helps you get fair treatment throughout the claims process.
Your Right: Most Ohio homeowners insurance policies allow up to one year from the date of the storm to file a claim.
Why Earlier is Better:
- Evidence is fresher and easier to document
- Damage hasn’t had time to worsen
- Insurance companies can’t claim pre-existing damage
- Repairs can be completed before additional storms
Our Recommendation: File within 30 days of discovering damage. The sooner you file, the smoother the process.
Your Right: If additional damage is discovered during repairs (common during tear-off), you can file a supplement to your original claim.
How It Works:
- Contractor documents hidden damage with photos
- Supplement is filed with insurance company
- Adjuster may re-inspect or approve based on documentation
- Additional payment issued for newly discovered damage
KFX Handles This: We document everything and file supplements on your behalf at no additional cost.
Your Right: If your claim is denied, you have the right to appeal the decision. Many initial denials are overturned with proper documentation and professional support.
Common Denial Reasons:
- Damage classified as “maintenance” instead of storm
- Insufficient documentation
- Pre-existing damage claims
- Filing deadline issues
How to Appeal: Request a written explanation, gather additional documentation, and consider having a professional inspection. KFX can provide documentation to support your appeal.
Free Claim Assistance
Navigating insurance claims shouldn't be stressful. KFX provides free inspection, documentation, and claims assistance throughout Central Ohio. We attend adjuster meetings at no cost to you. Call (614) 635-7550 for help with your claim.
Why Choose Us
Why Central Ohio Homeowners Trust KFX for Storm Damage
Storm damage is stressful enough without worrying about your contractor. Here's why Central Ohio homeowners choose KFX when storms hit.
Free Inspections & Claims Assistance
No Upfront CostsYour storm damage inspection is completely free with no obligation. We also attend insurance adjuster meetings at no cost to you, ensuring all damage is properly documented and you receive fair compensation.
24/7 Emergency Response
When It Can't WaitActive leaks and emergency tarping can't wait for business hours. We provide same-day emergency response throughout Central Ohio to prevent secondary damage while your claim is processed.
31+ Years Combined Experience
Our team brings over three decades of roofing experience specifically in Central Ohio. We've helped hundreds of homeowners navigate the insurance claims process successfully.
5-Star Rating, 66 Reviews
Our reputation speaks for itself. Read what your neighbors say about working with KFX during their storm damage repairs.
Licensed, Bonded & Insured
We're fully licensed in Ohio with proper insurance coverage. Your investment is protected, and you're never liable for worksite incidents.
"Tyler assisted us with coordinating with our insurance company and making sure we were paid what was necessary for the repair/replacement. That process went way smoother than I anticipated."
• Google Review
Our Work
Our Work
Click any project to see more details and photos.
View Details
Lancaster, OH
Millersport Roof & Gutter Project - Storm Damage
View Details
Columbus, OH
Storm Restoration Project
Customer Reviews
What Our Customers Say
See why Central Ohio homeowners trust KFX Roofing for their storm damage claims needs.
"During a rainy downpour, I noticed a leak inside my house. More rain was predicted. My insurance company recommended Chris. Communication and followup is important to me. I called left a message and Chris quickly returned my call. Chris came over to inspect the roof and put up a tarp not knowing if we would do further business. Chris was constantly in communication and answered all my questions. The quote was fair and accurate, no unexpected charges. Chris and the team were on time, professional and did a great job! I highly recommend Chris and KFX roofing and have already referred them..."
"Kris and the KFX Team are Amazing! I highly recommend them. We went through a crazy hail storm that wrecked our whole house...roof, gutters and sidding. Kris was there for us from start to finish. I'd give 6 stars if I could! You will not be disappointed by choosing KFX."
"Kris and the KFX Roofing Team were absolutely wonderful! They helped my family navigate the insurance process, creating a positive and supportive experience. Kris's professionalism, kindness, and expertise stood out during what could have been a stressful situation. It was a pleasure to work with him, and I will fully trust them and anyone they approve with my home repairs in the future. I will definitely recommend them to my friends and family."
Service Areas
Serving Central Ohio
Quality storm damage claims services throughout Delaware, Franklin, and surrounding counties.
faqs
Storm Damage & Insurance Claims FAQ
Get answers to common questions about our storm damage claims services.
Look for visible signs including missing or displaced shingles, dented flashing, granules accumulating in gutters, and water stains on interior ceilings. However, many storm damage indicators are only visible from on the roof itself. We recommend scheduling a free professional inspection after any significant storm.
Most Ohio homeowners insurance policies allow up to one year from the date of the storm to file a claim. However, filing as soon as possible after damage occurs reduces the risk of claim denial and ensures damage doesn’t worsen before repairs.
Weather-related claims generally do not raise individual policyholder rates because the damage is beyond your control. However, widespread storm events affecting many homes in a region may lead to area-wide rate adjustments over time.
Yes. Having professional documentation of storm damage before filing your claim strengthens your case. A trained roofing inspector can identify damage that untrained eyes often miss and provide detailed reports that support your claim.
Replacement Cost Value (RCV) pays to replace your roof at current prices minus your deductible. Actual Cash Value (ACV) pays the depreciated value based on your roof’s age, meaning you pay the difference between the depreciated value and actual replacement cost.
Yes. Common denial reasons include: damage classified as neglected maintenance rather than storm damage, claims filed after the policy deadline, pre-existing damage, or insufficient documentation. Professional inspection and documentation significantly reduces denial risk.
No. Ohio law guarantees your right to choose your own contractor. Insurance companies cannot require you to use their “preferred” vendors or deny your claim because you chose an independent contractor.
Still have questions? We're here to help.
Free Estimates
Get Your Free Storm Damage Inspection
Don't wait for small storm damage to become a major problem. KFX Roofing offers free, no-obligation storm damage inspections throughout Central Ohio. We'll assess your roof, document all damage, and help you navigate the insurance claim process from start to finish.
Licensed & Insured (HIC #L01251)
24/7 Emergency Service
66 Five-Star Reviews