How To File A Roof Insurance Claim
If your roof has suffered damage from a storm, hail, or another unexpected event, you might be unsure where to start with filing an insurance claim. The process can feel overwhelming, but understanding what to expect can make it much easier! Our experts will guide you through the typical roof insurance claim process and show you how our ProRoofing team can assist you every step of the way.
Step 1: Assess the Roof Damage
Before contacting your home insurance provider, take time to assess and document the damage. Safely inspect your roof from the ground and look for common issues such as:
- Missing or damaged shingles
- Dents or cracks from hail damage
- Signs of leaks or water damage
Take high-quality photos and videos of the damage. The insurance company will need that evidence when filing your claim, and will often ask you to upload any pictures or videos that you have.
How ProRoofing Helps: Not sure what to look for? ProRoofing offers a free roof inspection and will document all damage for you, ensuring nothing is overlooked before you file a claim. We know what the insurance companies want to see!
Step 2: Review Your Home Insurance Policy
It’s important to understand your homeowners policy and know what type of roof damage is covered. Home insurance typically covers roof repair or replacement if the damage was caused by a natural event outside of your control. Most home insurance policies cover sudden damage from:
- Hailstorms
- Windstorms
- Fallen trees
- Fire
However, roof repairs due to wear and tear or poor maintenance are typically not covered. Check your policy for coverage limits, deductibles, and claim deadlines to avoid any surprises, and ensure you know the next step to take.
How ProRoofing Helps: Insurance policies can be confusing — ProRoofing’s experts can help you review your policy and determine if your damage qualifies for coverage.
Step 3: Contact Your Insurance Company
Once you have documented the damage, notify your home insurance company as soon as possible to initiate the claim. They will guide you through the roof insurance claim process and assign an adjuster to inspect your roof. Be sure to ask about the required paperwork and deadlines to ensure a smooth claims process, particularly after a natural disaster.
How ProRoofing Helps: We’re also trained as insurance experts. We can assist you in filing your claim to ensure everything is submitted correctly, reducing the chances of delays or denials!
Step 4: Get a Professional Roof Inspection
Before the insurance adjuster arrives, we recommend scheduling a free roof inspection with a professional roofing contractor. An experienced roofer can:
- Provide an independent damage assessment
- Estimate the cost of roof repairs or replacement
- Be an advocate for you during the insurance inspection
This step is important to avoid underpaid or denied roof claims since you will know just how much the repairs will cost. It will also help you determine whether you may need a full roof replacement, or if your home just needs a roof repair.
How ProRoofing Helps: We offer free roof inspections in the areas of Atlanta, Augusta, Raleigh, Asheville, Birmingham, Huntsville, and Houston! We handle the entire inspection process and will be there when the adjuster arrives to ensure all damage is accounted for.
Step 5: Meet with the Insurance Adjuster
The insurance adjuster will inspect the damage and determine how much of the roof replacement or repairs will be covered. Having a roofing contractor present ensures all damage is properly documented and accounted for.
How ProRoofing Helps: We meet with the adjuster on-site to advocate on your behalf, making sure your claim is as fair and accurate as possible.
Step 6: Review the Insurance Settlement
After the adjuster’s inspection, your home insurance provider will provide an estimate detailing what they will cover. There are two common types of coverage to be aware of:
- Replacement Cost Value (RCV): Pays for a new roof without deducting depreciation
- Actual Cash Value (ACV): Pays for your roof’s value after depreciation is factored in
Review the settlement carefully, and be sure to clarify any concerns before approving the claim.
How ProRoofing Helps: We help you understand the settlement details and can provide additional documentation if needed to maximize your claim.
Step 7: Approve the Claim and Schedule Roof Repairs
Once your roof insurance claim is approved, it’s time to hire a trusted roofing company to handle the repairs (if you haven’t already). Choose a licensed, insured, and experienced contractor to ensure a stress-free roof replacement process!
How ProRoofing Helps: We take care of the entire repair or replacement process — from ordering materials to completing the job — so you don’t have to worry about a thing.
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Filing a roof damage insurance claim doesn’t have to be stressful when you know what to expect. At ProRoofing, we can help you through every single step, and we’re proud to serve homes in the areas of Atlanta, Augusta, Raleigh, Asheville, Birmingham, Huntsville, and Houston!
Our ProRoofing team provides the roof inspection, comprehensive assessment, and expert repairs to restore your roof’s safety and functionality. Need help with your roof insurance claim? Schedule your free roof inspection today, and let ProRoofing protect your home and guide you through the process!
