Filing an Insurance Claim on a Roof: A Guide for Homeowners


Having a damaged roof can be a stressful and overwhelming experience, especially if it is caused by a natural disaster or an unexpected event. However, if you have homeowner’s insurance, you may be able to file a claim to cover the cost of repairing or replacing your roof. Here is a step-by-step guide to help you navigate the process of filing an insurance claim on a roof.

Step 1: Assess the Damage

The first step in filing an insurance claim on your roof is to assess the damage. You should have your contractor perform a detailed inspection, take photos of the damaged area and make a list of any missing or damaged items, such as shingles or gutters. If necessary, have your contractor make temporary repairs to prevent more damage.

Step 2: Review Your Policy

Before you file a claim, you should review your homeowner’s insurance policy to see what it covers. Some policies may not cover certain types of damage, such as wear and tear or damage caused by negligence.

Step 3: Notify Your Insurance Company

Once you and your contractor have assessed the damage and reviewed your policy, you should notify your insurance company as soon as possible. They can be reached by calling the customer service phone number. You should also have your policy number and the date of loss when you contact them. Your contractor can guide you through this process and answer any questions you may have.

Step 4: Provide Documentation

When you notify your insurance company, they will likely ask you to provide documentation, such as photos of the damage and a list of any missing or damaged items. Your contractor can take care of this for you.

Step 5: Schedule an Inspection

Your insurance company will schedule an adjuster appointment to examine the damage and estimate the cost for repairs or replacement. Having your roofing contractor present during the inspection is advisable, as they can represent your best interests and provide valuable input to the adjuster. The adjuster will use the information gathered to determine the coverage amount under your policy.

Step 6: Wait for a Decision

Once the inspection is complete, your insurance company will make a decision on your claim. They may approve the claim in full, approve it partially, or deny it. If your claim is approved, you will receive a payment for the amount approved. If it is denied and there is considerable damage, it is best to schedule a second adjuster appointment. (This is not uncommon.)

Step 7: Repair or Replace Your Roof

Once your claim has been approved, it's important to review the claim summary with your roofing contractor. Often, insurance companies overlook key components of your roofing system. Your contractor will work with the insurance company to ensure all aspects of the roof are covered, and then you can use the approved funds for a roof repair or replacement. Save proof that you paid the deductible on the claim. A state law makes it illegal for contractors or roofers to offer to waive a deductible or to promise a rebate for your deductible. Insurance companies may request proof, such as a receipt or a canceled check, that you paid the deductible.

Filing an insurance claim on a roof can be a complex process, but by following these steps, you can make the process smoother and get the coverage you need to repair or replace your damaged roof. We would be happy to help!

Thank you,


Thomas and Summer Blackford

Cell: (940) 279-6391 Office: (940) 279-6392

Email: Blackford@MaranathaRoofingPros.com

Website: www.MaranathaRoofingPros.com

Location: Gainesville, TX 76240, USA

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