Roof Damage and Insurance Claims: What Every Homeowner and Realtor Should Know

When storm damage hits, navigating roof repairs and insurance claims can be confusing—even for seasoned homeowners and REALTORS®. In this episode, Christy and Joe sit down with John Kozlar, owner of Caravan Roofing and a licensed attorney, to uncover why it’s critical to have a roofing professional by your side when the insurance adjuster shows up. John shares his unique perspective as both a roofer and attorney, breaking down how insurance claims really work, what pitfalls to avoid, and why proper representation during inspections can make or break your claim. Whether you’re helping a client or filing your own, this conversation will prepare you to handle roof damage claims the smart way. Key Takeaways: Representation matters: Never face an insurance adjuster alone—bring a roofing professional or contractor who can document damage and advocate for you. Documentation is key: Take plenty of photos and keep records to support your claim if questions arise. Don’t believe every myth: Premiums are based on your zip code, not necessarily your individual claim. Timing counts: Most insurance companies allow just one year from the date of the storm to file a claim. Read before you sign: Know what you’re agreeing to when hiring a roofer and beware of out-of-state “storm chasers.” Denied doesn’t mean done: Even if your claim is denied, a knowledgeable roofer may help you get it approved later. For REALTORS®: Understanding the roof claim process helps you better advise clients buying or selling homes after storm damage. Partnering with reputable local professionals like John ensures smoother transactions and better outcomes for your clients. Guest Info: John Kozler – Caravan Roofing Website: caravanroofing.com Phone: 312-823-7788 Even if you’re not ready to hire, John encourages homeowners and REALTORS® to reach out with questions—he’s always happy to help you understand the process. Connect with The Real Estate Ripple: Follow, like, and leave a review to help us make a bigger ripple in the world of real estate. Stay tuned for more expert interviews and local insights that help you and your clients thrive.