How To File A Roof Claim With Insurance (Step By Step Guide)

Your home’s roof is your first line of defense against the elements, but it’s not invincible. Over time, wear and tear, severe weather, or unexpected accidents can damage your roof, necessitating a replacement.

In such cases, filing an insurance claim can help ease the financial burden. This comprehensive guide will walk you through:

• The process of filing an insurance claim for your roof replacement
• Covering key topics such as signs that indicate the need for a replacement
• What home insurance covers (and doesn’t cover)
• How to file a claim
• Whether your roofing company will assist you in this process

Need high-quality roof repairs you can trust?

Keep reading in order to learn how to file a roof claim properly!

Signs You Need a Roof Replacement

Before diving into the insurance claim process, it’s crucial to understand when it’s time to replace your roof. Recognizing the signs early can help you prevent further damage to your home. Here are some common indicators that it might be time for a roof replacement:

• Age: Roofs have a finite lifespan, typically around 20-30 years depending on the roofing material. If your roof is nearing the end of its expected lifespan, it’s time to consider a replacement.
• Visible Damage: Inspect your roof for visible signs of damage, such as missing or damaged shingles, curling or buckling, and cracked or deteriorated roofing materials.
• Leaks: Water stains on your ceiling or walls, as well as active leaks during rainfall, are clear signs that your roof is compromised.
• Granule Loss: Check your gutters for an excessive amount of granules from asphalt shingles. Granule loss indicates shingle wear and the need for replacement.
• Mold or Algae Growth: Mold, algae, or moss growth on your roof’s surface can signal underlying issues with moisture and should be addressed promptly.
• Sagging Roof Deck: A sagging roof deck is a serious structural issue that requires immediate attention.

What Home Insurance Does and Doesn’t Cover

Understanding your homeowners insurance policy is essential when considering a roof replacement claim. While most standard policies cover certain types of roof damage, they do not cover everything. Here’s what you can generally expect:

👍 Covered Roof Damage:

• Storm Damage: Most policies cover damage caused by severe weather events, including hailstorms, windstorms, hurricanes, and tornadoes.
• Fire Damage: Fires can cause significant damage to your roof, and this is usually covered under standard homeowners insurance.
• Vandalism: If your roof is intentionally damaged by vandals, your policy will likely cover the repair or replacement costs.
• Falling Objects: If a tree limb or another object falls on your roof, resulting in damage, it is typically covered by your insurance.

👎 Not Covered Roof Damage:

• Wear and Tear: Normal wear and tear, as well as gradual deterioration over time, are not covered by insurance. This includes aging roofs that have reached the end of their lifespan.
• Neglect: Failing to properly maintain your roof and conduct routine inspections may result in a denied claim.
• Earthquake and Flood Damage: Standard homeowners insurance does not cover damage caused by earthquakes or floods. You may need separate policies for these types of events.
• Cosmetic Damage: Purely cosmetic issues, such as minor cosmetic damage to the roof, are usually not covered.

How to File an Insurance Claim: 10 Steps

When you’ve determined that your roof needs replacement due to covered damage, it’s time to initiate the insurance claim process. Here’s a step-by-step guide to help you through it:

1) Document the Damage 📸

Begin by thoroughly documenting the roof damage. Take clear photos or videos from multiple angles, making sure to capture all affected areas. This visual evidence will be crucial during the claims process.

2) Review Your Policy 📝

Familiarize yourself with your homeowners insurance policy, paying attention to the coverage limits, deductibles, and any specific requirements related to roof claims.

3) Contact Your Insurance Company ☎️

Reach out to your insurance company as soon as possible to report the damage and initiate a claim. Be prepared to provide details about the incident and the extent of the damage. Request a claim number for reference.

4) Schedule an Inspection 🗓️

Your insurance company will likely send an adjuster to assess the damage. It’s essential to be present during the inspection to point out specific areas of concern and provide the documentation you’ve gathered.

5) Obtain Multiple Quotes 💵

While waiting for the insurance adjuster’s report, gather estimates from reputable roofing contractors for the cost of the roof replacement. Having multiple quotes will help ensure you receive a fair settlement.

6) Review the Adjuster’s Report 📁

Once the adjuster completes the inspection, review their report carefully. Make sure it accurately reflects the extent of the damage and the necessary repairs or replacement.

7) Negotiate if Necessary 🗣️

If you believe the adjuster’s report is inaccurate or insufficient, don’t hesitate to negotiate with your insurance company. Provide any additional evidence or quotes to support your claim.

8) Approval and Settlement 🤝

Once the claim is approved, your insurance company will provide a settlement amount. This amount may include a deductible that you’ll need to pay out of pocket. Be sure to understand the terms and conditions of the settlement before proceeding.

9) Hire a Roofing Contractor 👷🏾

With the settlement in hand, select a reputable roofing company to perform the replacement. Ensure they are licensed, insured, and experienced in working with insurance claims.

10) Keep Records 🗂️

Throughout the process, maintain a record of all communications, estimates, receipts, and invoices related to the roof replacement. This documentation will be valuable in case of any disputes or for tax purposes.

Will Your Roofing Company Help You File a Claim?

Many roofing companies are experienced in working with insurance claims and may assist you in the process. However, the extent of their involvement can vary. Here’s what you can generally expect:

• Inspection and Documentation: A reputable roofing company will conduct a thorough inspection of your roof and provide documentation of the damage. They will work with you to ensure the evidence is properly prepared for your insurance claim.
• Estimates: The roofing company will provide you with detailed estimates for the roof replacement, which you can submit to your insurance company as part of your claim.
• Communication with the Insurer: Some roofing companies will handle communication with your insurance company on your behalf. They can work with the adjuster to ensure all necessary repairs are covered.
• Deductible Assistance: In some cases, roofing companies may offer deductible assistance, helping you cover the deductible amount as part of their services.
• Quality Repairs: A professional roofing company will ensure that the roof replacement is of high quality, meeting both your and the insurance company’s standards.

Let Us Help You With the Roof Insurance Claim Process

Filing an insurance claim for a roof replacement can be a complex process, but with the right knowledge and guidance, you can navigate it successfully. Recognizing the signs of roof damage early, understanding your insurance coverage, and following the proper steps to file a claim are all crucial in ensuring a smooth and fair resolution. Additionally, working with a reputable roofing company that specializes in insurance claims can provide valuable support throughout the process, ultimately helping you protect your home and investment.

At Tectum Roofing, we are here to support homeowners through the process of filing an insurance claim. Contact us today to set up an inspection for your roof.