How to File a Roofing Insurance Claim: A Step-by-Step Guide

roof insurance claim checklist

Filing a roofing insurance claim can be intimidating, especially if you don't know where to begin.

That’s why we’ve outlined steps to guide you through the insurance claims process. With a little bit of research, a few phone calls, and a well-documented process, you should be able to identify what your insurance covers and how to find a qualified roofer to repair the damages. 

Determine What Your Policy Covers

The first step in filing an insurance claim for your roof is to contact your insurance provider.

Some policies account for the age of your roof at the time of the incident.

Generally, if your roof is less than 10 years old, the insurance company should cover the full cost of any repairs or replacements on the damaged section. If your roof is older than 10 years, you may only be compensated for the depreciated value of the damaged roof.

You may have to pay the deductible amount you chose when selecting your policy before the insurer will contribute anything.

However, all policies are different, which is why it’s best to call and find out your specific coverage.

LEARN MORE: Roofing Warranties 101: What You Should Know

tree damage on shingle roof

Gather Documentation of Your Claim

To make the claims process as pain-free as possible and to receive a proper settlement for the damage, get a few things organized before calling your insurance agent:

  • Locate your insurance policy and note the number and deductible
  • Organize your records (have the insurance policy number, date and time of the loss, and photos or videos of the damage on hand)
  • Call the insurance claim number and provide the necessary information
  • Note down the claim number given

As maintenance and repairs get completed, take pictures of the final product. Document the process as thoroughly as possible, and record estimates, invoices, and bills you receive. The more information you have to offer the insurance company, the easier the entire process will be.

Find a Qualified Roofing Contractor

Learn more about home roof repair:

Understand How the Claims Process Works

It’s always a good idea to have at least 3 roofing contractors provide estimates for the costs of repairs and replacements.

Submit all the necessary documentation to your insurance company. This includes:

  • photos
  • claims number
  • estimate from your chosen contractor. 

Once the claim is approved, your insurance company will send a check totaling the depreciated value minus any deductible. Once your property is fixed, a second check is usually sent out to cover the additional costs of repairs.

There are two main reasons why insurance companies don’t pay homeowners in one lump sum:

1. Experience has demonstrated that if they pay their customer all the money up front, a lot of people spend it on something else.

2. They want to ensure you pay your full deductible. They assume that if their customer is given all the money in one lump sum, a few people will try to find a contractor to perform the job for the dollar amount in hand. By holding a certain percentage back, they can adjust the amount of the final check based on the contractor’s invoice. This ensures that the customer will pay the deductible.  

All claims processes vary slightly depending on your particular insurance company. Keep that in mind as you work your way through this process.

KEEP READING: Extend the Life of Your Roof

roofer testing shingle

Choose the Right Roofing Contractor

When looking for a contractor to repair or replace your roof, search for a company that has experience navigating the insurance claims process as well as expertise providing accurate estimates.

The bottom line is if you suspect your roof to be damaged, don’t wait on your insurance company before repairing it. Find out the extent of the damage and get it repaired as soon as possible. Doing so will speed up the process and help avoid other structural damage that may not be covered by your policy. 

Find a Qualified Roofing Contractor