Coming out of a big storm with roof damage is never a pleasant experience. On top of being generally overwhelming in terms of lacking shelter and the time it takes for a repair, there’s also the kicker of “how do I pay for this?”. A roof is an expensive piece of property, after all. Luckily, that’s what insurance is for. Knowing how to file a roof insurance claim properly ensures you’re not left paying out-of-pocket for repairs you deserve to have covered. Here, we’ll explain everything you need to know about handling the process with ease and accessibility.
Filing the Initial Claim
Begin by contacting your insurance company to initiate the claim. Be ready to provide your policy number and details of your coverage. Clearly describe the storm event, including the date and nature of the damage. Submit all supporting documentation, such as photographs of the damage and a professional inspection report from your roofer. Presenting a complete and organized set of materials at the start of the process helps avoid delays and strengthens your position during claim evaluation.
What Roof Damage Insurance Typically Covers
Most homeowners insurance policies cover sudden, accidental damages like:
- Wind tearing off shingles
- Hail causing dents or holes
- Fallen trees puncturing the roof
- Water damage from storm breaches
However, damage from normal aging or lack of maintenance typically isn’t covered. Making sure to take a few steps to maintain your roof every once in a while will save you from this dilemma, and the extra bit of care will help your roof weather storms better in the future as well.
Limitations and Exclusions in Roof Insurance Policies
Many policies use cash value (ACV) for older roofs, which may significantly lower the payout. Also, if your damage results from floods, you’ll need separate flood insurance coverage.
Visible vs. Hidden Damage
Some damage, like missing shingles, is obvious. But issues like soaked underlayment, cracked flashing, or small leaks often go unnoticed without professional help.
Why a Professional Inspection Matters
Calling a certified roofing contractor ensures all damage, visible or hidden, is properly documented, which helps you maximize your insurance claim.
Documenting the Damage for Your Claim
One of the most important pieces of making sure that your insurance claim goes through all the way is proper documentation. Without proof that the damage is really what you say it is, you may as well tell a story about Santa’s reindeer ruining your roof. That is to say, it’s good practice to:
- Take multiple photos from different angles
- Keep videos showing the overall roof condition
- Record the date, time, and type of storm event
- Request a professional inspection report
Things to Consider Before Filing
Before filing your claim, keep in mind the extent of the damage as significant structural issues should be reported. If repair costs barely exceed your deductible, it may not be worth filing. Lastly, know that filing could lead to future premium increases.
Why You Should Act Quickly
Most policies require you to file within 30 to 60 days after the storm. Some give up to a year, but recommend immediate action nonetheless. Waiting too long can lead to claim denial for failure to mitigate damages, or further roof deterioration not covered by your policy.
The Benefits of a Roofer’s Inspection Over an Adjuster’s Initial Report
Independent roofers, like The Roof Doctor, work for you, not your insurance company. As a rule, a roofer can identify overlooked damages, give a full, fair estimate, and support your claim with their own documentation. If you’re not sure about whether your claim will go through, a roofer’s inspection can give you the leg up that you need.
How Roofers Help Maximize Your Claim
- Meet directly with the insurance adjuster
- Advocate for necessary repairs or replacement
- Challenge low settlement offers with factual evidence
What to Say—and Not Say—to an Insurance Adjuster
Stick to objective facts. Avoid statements like “it wasn’t that bad…” or “I should have fixed it earlier.” as this can destabilize the solidity of your claim. Instead, focus on what happened and let your roofing contractor explain the technical details.
Mistakes to Avoid During Your Adjustment Meeting
Avoid going alone without a roofer, accepting the first offer without review, or forgetting to document conversations. Though they aren’t life-threatening, these mistakes are a good way to get ripped off or lose your claim.
How Insurance Companies Pay Out Roof Claims
Payments typically come in two phases:
- First payment: Based on ACV estimate
- Second payment: After proof of completed repairs
Sometimes checks are issued jointly to you and your mortgage lender.
Do Insurance Adjusters Lowball Claims?
Yes, sometimes they do. Lowball offers are a common tactic to reduce payout costs for the insurance company.
What Happens When You Don’t Use Your Insurance Money?
Potential Legal and Financial Consequences
Misusing claim funds can result in future claim denials, policy cancellation, and mortgage lender intervention. Insurance providers may require proof that the money was used for the intended repairs. Failing to do so puts your current and future coverage at risk and may even breach your mortgage agreement.
Impacts on Future Claims and Coverage
Neglecting necessary roof repairs after receiving a payout can affect your eligibility for future claims, reduce the resale value of your home, and create serious liabilities if further damage occurs and is no longer covered.
Why Trust the Roof Doctor?
At The Roof Doctor, we treat your roof like it’s protecting our own family. With over 60 years of experience, we provide 24/7 emergency service, deploy highly trained roofing crews, and deliver expert solutions for both residential and commercial properties. Our projects are typically completed within one to two days, and we are fully licensed, bonded, and insured. We’re not just another roofing company, we’re your neighbors, committed to helping our community’s homes and businesses with reliable, professional service.
Ready for your next roof inspection? We’re here to help, whenever you need us. Reach out to The Roof Doctor today for trustworthy, expert service—right when you need it.
