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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.
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.
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.
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.
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.
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.
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.
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.
The depreciated value of your roof. ACV policies pay less upfront, accounting for age and wear.
The full cost to replace your roof with like-kind materials. Initial payout is ACV, with the depreciation released after repairs.
An additional claim filed for damage or costs not included in the original estimate — common when hidden damage is found during tear-off.
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.
Don't navigate the claims process alone. Our insurance specialists have helped hundreds of property owners get fair settlements.