Storm and Discovery Notes
Record when the event occurred, when damage was found and when each party was contacted.
Farmington Storm-Damage Resource
Insurance Claim Assistance for Roof Damage
Get the roof condition documented clearly while keeping the contractor and insurance company in their proper roles. Magic Roofing can inspect visible damage, prepare a contractor scope and meet with the adjuster when appropriate. The insurer determines coverage under the policy.
- Farmington-Based Since 2007
- 150+ Years Combined Roofing Experience
- Licensed & Insured — Lic. #364022
- Commercial and Residential Expertise
Magic Roofing is a roofing contractor—not a public adjuster, insurance agent or attorney. We do not interpret policy language or promise coverage.
Magic Roofing Credentials
Local experience backed by proven capability
Know Who Does What
Roofing Documentation Supports the Claim Without Replacing the Insurance Adjuster
Short answer: The property owner reports the loss and manages the claim. Magic Roofing documents roof conditions and construction needs. The insurance carrier interprets the policy and decides coverage and payment.
- Property Owner Reports the loss, protects the property, keeps records and communicates with the insurer.
- Roofing Contractor Inspects roofing conditions, provides photos and develops a repair or replacement scope.
- Insurance Adjuster Evaluates the reported loss for the carrier and prepares or reviews the insurance estimate.
- Licensed Professional Policy disputes or claim advocacy may require a licensed public adjuster or attorney.
Clear Roles. Better Records.
Document Facts Without Promising Coverage.
Claim Documentation Checklist
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What Property Owners Should Gather After Roof Damage
Keep one clean record containing dates, photos, receipts, estimates and communications. Good documentation reduces confusion when multiple parties inspect the property.
Exterior and Interior Photos
Capture wide context and close details from safe locations before temporary work changes conditions.
Emergency Work Receipts
Keep invoices and material receipts for reasonable steps taken to prevent additional damage.
Contractor Inspection
Retain roof photos, measurements, observations and the proposed construction scope.
Insurer Documents
Save every estimate version, payment explanation, deductible notice and communication.
Final Project Records
Keep contracts, change documentation, invoices, warranties and completion photos.
The Magic Roofing Process
A Clear Path From Storm Event to Completed Roofing Work
Deadlines and procedures vary by policy and carrier. Protect the property first, then maintain written records through every inspection and scope revision.
1
Protect the Property
Address safety and reasonable mitigation.
2
Notify the Insurer
Follow the carrier reporting process.
3
Inspect the Roof
Document physical roofing conditions.
4
Compare Scopes
Identify construction-scope differences.
5
Complete and Record
Perform approved work and retain records.
Related Roofing Resources
Use the Right Page for the Roof Condition
Storm damage does not automatically mean replacement. Inspection, damage extent, roof age and repairability determine the responsible construction recommendation.
First Step
Roof Inspections
Document accessible roof and exterior conditions after a suspected loss.
Learn More → Localized DamageRoof Repair
Correct repairable defects when surrounding material remains serviceable.
Learn More → Widespread DamageRoof Replacement
Replace an assembly when damage, age or repairability makes piecemeal work irresponsible.
Learn More → Commercial PropertiesCommercial Roofing
Evaluate membrane, metal and other commercial systems using the appropriate scope.
Learn More → Built for Northern New Mexico
Four Corners Storms Can Create Several Types of Damage at Once
Wind, hail and sudden rainfall can affect roofing, flashings, vents, gutters, fascia and interior finishes. Some damage is visible from the ground; other conditions require safe access and close inspection.
Normal aging and prior defects may also exist, so documentation should describe what is found without forcing every mark into a predetermined claim story.
- Wind-Lifted Materials
- Hail Impact Indicators
- Damaged Flashings
- Dented Gutters and Vents
- Interior Water Entry
- Temporary Mitigation
Deductibles, Estimates and Planning
Understand the Numbers Before Signing a Roofing Contract
A contractor proposal and an insurer estimate serve different purposes. Read both, understand the deductible and identify scope differences before work begins.
Who Pays the Deductible?
The policyholder is generally responsible for the applicable deductible. Ask the carrier how it applies.
Why Do Estimates Differ?
Measurements, quantities, materials, code items, pricing databases and discovered conditions can create differences.
Can Coverage Be Guaranteed?
No. A roofing contractor can document damage but cannot guarantee the insurer will approve or pay a claim.
Need the construction scope documented? Start with a professional roof inspection and keep every photo, estimate and communication together.
Farmington Headquarters. Regional Reach.
Roof Damage Inspection Service Areas
Magic Roofing is based on Fairgrounds Road in Farmington. Farmington and San Juan County are the primary local market, with additional Four Corners availability depending on project size, scheduling, travel and applicable licensing.
Farmington and San Juan County
Primary local service area. Property owners can request an evaluation for wind damage, hail damage, leaks, emergency mitigation and insurance-related roof documentation.
- Farmington
- Aztec
- Bloomfield
- Kirtland
- Flora Vista
- La Plata
- Navajo Dam
Qualifying Four Corners Projects
Regional service may be available for qualifying properties in northwestern New Mexico and surrounding Four Corners communities in Colorado, Arizona and Utah.
Send the property address and project details so Magic Roofing can confirm current service coverage.
Insurance Claim Assistance FAQs
Farmington Roof Claim Questions
Should I call a roofer or insurer first?
In an emergency, protect people and property first. Contact both promptly and follow the insurer reporting requirements.
Can Magic Roofing file the claim for me?
No. The policyholder files and manages the claim. Magic Roofing provides roofing documentation and a contractor scope.
Can Magic Roofing guarantee approval?
No. Coverage decisions belong to the insurer under the policy.
Does hail damage always require replacement?
No. Damage extent, material, age and repairability determine the construction recommendation.
What if the scopes are different?
Ask both parties to identify specific differences. Magic Roofing can document construction needs and discovered conditions.
Do I have to pay my deductible?
Policyholders are generally responsible for applicable deductibles. Confirm details with the carrier.
Can emergency repairs start before adjustment?
Reasonable mitigation may be necessary. Preserve evidence, photograph conditions and keep receipts.
Will Magic Roofing meet the adjuster?
A representative may attend when scheduled and appropriate to point out documented roofing conditions.
Where is assistance available?
Farmington and San Juan County are the primary area, with qualifying Four Corners projects based on scope and availability.
Start With Clear Documentation
Request a Roof Damage Inspection in Farmington, NM
Get the roof condition photographed and the construction scope explained without inflated promises about insurance coverage.