Timing is everything when it comes to filing a roof insurance claim. If your home in Clovis, NM, recently experienced hail or wind damage, understanding the right timeline could mean the difference between full coverage and out-of-pocket repairs.
📅 The Critical First 48 Hours
Within two days of the storm, document visible damage. Take clear photos, save weather alerts, and note the date/time of the storm. Then, schedule a professional inspection to uncover hidden roof issues insurers may question.
📝 7–14 Days: Contact Your Insurance Provider
Most policies require “prompt” notification. Ideally, you should report damage within one to two weeks of the event. Delays can lead to suspicion or denial of your claim.
⏳ State Limits Still Apply
In New Mexico, many homeowners have up to one year to file. However, waiting too long weakens your case. Documentation fades. Roof damage spreads. Insurance adjusters may say it’s unrelated to the storm.
Pro Tip: Always request a licensed roofer’s inspection report to include with your claim. It adds credibility—and helps you negotiate. Get a Roof Inspection for Your Claim