Insurance Claims
Step-by-Step Guide
Filing a roof insurance claim doesn't have to be stressful. Follow our proven 6-step process to maximize your settlement and get your roof repaired right.
Why Most Homeowners Leave Money on the Table
Insurance companies pay out billions for storm damage claims each year — but studies show that homeowners who navigate the process without professional guidance receive 30–40% less than they're entitled to. The difference comes down to documentation quality, damage identification, and understanding the supplement process.
Most homeowners only file one or two roof claims in their lifetime. Insurance adjusters evaluate hundreds of claims per year. The knowledge gap is real — and it's why having an experienced roofing contractor in your corner matters.
The 6-Step Claims Process
Document the Damage
Take photos and videos of all visible damage from ground level — missing shingles, dented gutters, cracked siding, water stains inside. Document the date, time, and weather conditions. Don't climb onto the roof yourself.
- Photograph from multiple angles
- Include wide shots and close-ups
- Document interior water damage too
- Save weather reports from the storm date
Contact Your Insurance Company
Call your insurance carrier to report the damage and initiate a claim. They'll assign a claim number and schedule an adjuster visit. Keep notes of every phone call — the representative's name, date, and what was discussed.
- Have your policy number ready
- Ask about your deductible amount
- Request a copy of your full policy
- Get the claim number in writing
Get a Professional Roof Inspection
Before the adjuster arrives, have a licensed roofing contractor inspect your roof. A professional can identify damage that's invisible from the ground — hidden hail impacts, compromised seals, cracked flashing, and structural issues. This report becomes your strongest evidence.
- Choose a contractor with insurance claim experience
- Get a written inspection report with photos
- Ask for a detailed repair/replacement estimate
- The inspection should be free
Meet the Insurance Adjuster
Your contractor should be present when the adjuster inspects your roof. They can point out damage the adjuster might miss and advocate for full coverage. The adjuster's report determines your settlement amount, so this meeting is critical.
- Have your contractor present on-site
- Provide your independent inspection report
- Walk the property together
- Don't accept a verbal estimate — get it in writing
Review the Settlement & Supplement if Needed
Your insurance company will issue a settlement offer. If the offer seems low, your contractor can file a supplement with additional documentation. Hidden damage discovered during tear-off (rotted decking, damaged flashing) can also be supplemented after work begins.
- Compare the settlement to your contractor's estimate
- Ask your contractor about supplement potential
- Don't sign a final release until all work is complete
- Understand the difference between ACV and RCV payouts
Schedule Repairs & Close the Claim
Once the claim is settled, schedule the repairs with your chosen contractor. After the work is completed, your insurance company releases the final depreciation holdback (for RCV policies). Your contractor should provide warranty documentation and a Certificate of Completion.
- Choose a manufacturer-certified contractor
- Ensure repairs match the claim scope
- Request all warranty documents
- Keep copies of everything for your records
Insurance Terms You Need to Know
ACV (Actual Cash Value)
The depreciated value of your roof. ACV policies pay less upfront, accounting for age and wear.
RCV (Replacement Cost Value)
The full cost to replace your roof with like-kind materials. Initial payout is ACV, with the depreciation released after repairs.
Supplement
An additional claim filed for damage or costs not included in the original estimate — common when hidden damage is found during tear-off.
Deductible
Your out-of-pocket cost before insurance pays. Typically $1,000–$2,500 for homeowner's policies. It's illegal for contractors to waive your deductible.
Insurance Claims Questions
How long do I have to file a roof insurance claim after a storm?
Will filing a claim raise my insurance premiums?
What if my insurance company denies my claim?
Should I get my own roof inspection before the insurance adjuster visits?
Suspect Storm Damage?
Don't navigate the claims process alone. Our insurance specialists have helped hundreds of property owners get fair settlements.