Damaged roof with visible signs of wear and storm impact, depicting the need for an insurance claim

Filing Roof Damage Claims: The Basics

Dealing with roof damage can be stressful, especially when it comes to navigating the insurance claims process. Many homeowners are uncertain about how to proceed and often fear the complexity of filing a claim. This guide aims to simplify the process, providing you with straightforward steps to ensure your claim is handled efficiently and you get the quality repairs you deserve.

Understanding the Insurance Claims Process

Finding Your Insurance Claims Number

Start by contacting your insurance company. You can locate the toll-free claims number provided on your insurance statement, which is one gateway to initiating a claim. Another way would be through a quick internet search with your insurance provider’s name followed by “homeowners claim”, which can also lead you to the right contact information.

Making the Initial Call

When you call, simply inform the representative that a professional contractor has assessed your roof and found storm damage. It’s not necessary to provide a lot of details about your home’s damage during this initial interaction. Your roofing contractor will know what to say when the time comes for the insurance company to assess the damage on your roof. The insurance company also has its own protocols to follow and will guide you through the necessary steps.

Dealing with Date Inquiries

Sometimes, claims departments will prompt you to specify the date of the storm. A simple “I don’t know” is a sufficient response. This places the responsibility of researching the hail and storm history on the insurance company, allowing them to determine the date of loss. They have tools and reports at their disposal to help them, so let them use their professional methods rather than worrying the homeowner about the date. By saying, “Today is the date of discovery” the homeowner does not lock themselves into any specific storm date which will help them later in the claims process.

Choosing the Right Contractor

Bypassing the Local Insurance Office

While many might consider starting the claims process through their local insurance office, remember that any claim will ultimately be filed with the parent company. To avoid fraud, the insurance carrier doesn’t let the local agent make claims decisions.. However, it never hurts to reach out to the local agent if one needs help  through the process to nudge the carrier along.

Avoiding the Lowest Bid

Insurance companies might advise you to gather multiple bids. In the past, this has been a standard procedure. However, times have changed. As a homeowner, the decision of who works on your roof should be yours alone. Opt for a contractor known for reliability and outstanding customer service. Remember, the cheapest option isn’t always beneficial in the long term. Quality workmanship from a reputable contractor ensures your roof replacementis an investment rather than just another expense.

Think about it this way. You might buy an old car for a low price, but the maintenance and rebuilding will add up to a high cost. A roof can be the same way. And when insurance is involved, there is not really a reason to go cheap when the claim is paying for it to be fixed up to code.

Understanding Contractor Accountability

When contractors submit a standard roof bid, they might not cover all specifics of the insurance claim report. It’s crucial to select a contractor who will address every detail mentioned in the insurance claim to ensure nothing is overlooked.

Your contractor should work with your insurance company to get the most for you and your roof.

Making the Most of Your Insurance Investment

Focusing on Long-term Costs

It’s essential to look beyond just the initial price of roof repairs. Quality repairs can extend the life of your roof and prevent future issues, ultimately saving you money. Insurers are interested in reducing their loss reports at the year’s end but are also invested in the longevity and safety of your home.

Ensuring Comprehensive Repair

Ensure that your contractor and insurance adjuster are on the same page about what needs to be repaired or replaced. Your goal should be to restore your roof to its pre-damage condition, which means advocating for comprehensive repair coverage under your claim.


Filing an insurance claim for roof damage doesn’t have to be a daunting task. By understanding how to communicate effectively with your insurance company and selecting the right contractor, you can make the claims process straightforward and stress-free. Remember, investing in quality repairs not only protects your home but also ensures that your insurance investment is put to good use. Take charge of your claim today and secure the best possible outcome for your home.

Frequently Asked Questions

How do I know if my roof damage is severe enough to file a claim?

  • If you notice visible damage or experience leaks, it’s advisable to have a professional contractor assess the severity and guide you on whether to file a claim.

Can I choose any contractor, or does it have to be one approved by the insurance?

  • You have the right to choose any contractor you trust. Your insurance should cover any reputable contractor’s work as long as the claim is justified.

What should I do if my insurance claim is denied?

  • Request a detailed explanation for the denial. You can also seek a second opinion or hire a public adjuster if you believe the claim was unjustly denied.

How long does it take to process a roof damage claim?

  • The processing time can vary, but most insurance companies aim to resolve claims within a few weeks of the claim being filed.

What is the most important thing to remember when filing a claim?

  • Documentation is key. Keep detailed records of all damages, correspondence with your insurance, and any quotes or assessments made by contractors.

This post is merely for educational purposes and is not legal advice or counsel for a person with an insurance claim.

Learn more about insurance claims and how they relate to roofing here.

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