Insurance Claim Guide
Navigate Your Roof Insurance Claim With Confidence
Everything you need in one place – a step-by-step claim process, free satellite roof measurements, a downloadable claim kit, and the knowledge to get the payout you deserve.
The 6-Step Insurance Claim Process
Follow this timeline to stay organized and maximize your claim. Each step builds on the last.
Document All Damage
Take photos and video of all visible damage from the ground. Capture close-ups of missing shingles, dents, and debris. Do not climb on the roof – it is dangerous and your insurance company does not require it.
File Your Claim
Contact your insurance company within 48 hours of discovering the damage. Write down your claim number and the name of your adjuster. Ask about your policy's time limits and what documentation they need.
Get Your Free Roof Report
Use our free satellite tool to get accurate roof measurements – area, pitch, and segments. No ladder required. This gives you independent data to compare against your adjuster's scope of work.
Meet With Your Adjuster
Be present for the adjuster's inspection. Bring your roof report data, photos, and a list of all damage you have documented. Take detailed notes during the visit and ask for a copy of their report.
Get Contractor Estimates
Get at least 3 written estimates from licensed, insured local roofing contractors. Make sure each estimate includes the same scope of work so you can compare them fairly. Avoid storm chasers who show up unsolicited.
Review & Negotiate
Compare the adjuster's scope of work to your independent measurements and contractor estimates. If the numbers do not match, you have the right to request a re-inspection or file a supplement for additional damage.
Common Pitfalls to Avoid
These mistakes cost homeowners thousands of dollars every year. Knowing them upfront puts you ahead.
Missing the Filing Deadline
Most policies require you to file within 1-2 years, but some have shorter windows. Waiting too long can result in a denied claim – even if the damage is legitimate.
Accepting the First Offer Without Review
The initial payout is often lower than the actual repair cost. Always compare the adjuster's scope to independent measurements and contractor estimates before accepting.
Not Getting Independent Measurements
Without your own roof data, you have no way to verify if the adjuster's measurements are accurate. A free satellite report gives you the leverage you need.
Signing an AOB Without Understanding It
An Assignment of Benefits (AOB) transfers your insurance rights to a contractor. This can limit your control over the claim and make it harder to switch contractors.
Choosing a Storm Chaser Over a Local Roofer
Out-of-town contractors who follow storms often disappear after the job. Choose a licensed local roofer with a verifiable address, reviews, and warranty support.
Get Your Roof Measurements for Free
Your insurance adjuster will measure your roof – but you should have your own numbers. Our free satellite report gives you independent measurements of your roof's area, pitch, and segments so you can verify the adjuster's scope and catch anything they missed.
No contractor visit required. No credit card. 100% free.
What Your Insurance Should Cover
Understanding these terms helps you know what you are owed and whether your settlement is fair.
RCV vs ACV (Replacement Cost vs Actual Cash Value)
RCV policies pay the full cost to replace your roof with new materials of similar kind and quality. You receive the depreciated amount upfront and the rest (recoverable depreciation) after repairs are completed. ACV policies only pay the depreciated value – meaning if your roof is 15 years old, you may only receive 50% of the replacement cost.
Your Deductible
Your deductible is the amount you pay out of pocket before insurance kicks in. It may be a flat amount ($1,000 - $5,000) or a percentage of your home's insured value (commonly 1-2%). Check your declarations page to know your exact amount. Any contractor who offers to "waive your deductible" is asking you to commit insurance fraud.
O&P (Overhead & Profit)
Overhead and Profit (typically 20% – 10% overhead + 10% profit) covers the contractor's business costs. Insurance companies sometimes exclude O&P from the initial estimate, but it is a legitimate cost that most contractors require. If it is missing from your scope, request it as a supplement.
Code Upgrades
Building codes change over time. If your local code now requires ice and water shield, drip edge, or upgraded ventilation that your old roof did not have, your insurance should cover the upgrade cost. This is often missed on initial estimates – ask your contractor to identify any code-required changes.
The Supplement Process
A supplement is a request for additional funds after hidden damage is found during repairs. This is normal and expected – rotten decking, damaged flashing, and other issues are often invisible until shingles are removed. Your contractor documents the additional damage with photos and submits it to your insurer for approval.
Download Your Free Insurance Claim Kit
Our claim kit includes a damage documentation checklist, a phone script for calling your insurance company, a timeline tracker, and a list of questions to ask your adjuster. Everything you need to stay organized from start to finish.
Frequently Asked Questions
How long do I have to file a roof insurance claim?
Filing deadlines vary by policy and state, but most homeowner policies require you to report damage within 1-2 years. However, you should file as soon as possible – ideally within 48 hours of discovering the damage. Delays can give your insurer grounds to question whether the damage was storm-related or due to neglect.
What if my roof insurance claim is denied?
A denial is not the end. First, request the denial in writing and review the specific reason. Common reasons include missed deadlines, pre-existing damage, or cosmetic-only damage. You can file an appeal with additional documentation, get a second inspection, hire a public adjuster, or consult an attorney who specializes in insurance claims.
Should I do temporary repairs before the adjuster comes?
Yes – your policy requires you to mitigate further damage. Cover holes with tarps, board up broken areas, and keep all receipts. Document everything with photos before and after temporary repairs. Your insurance should reimburse reasonable temporary repair costs.
What is depreciation on a roof insurance claim?
Depreciation is the reduction in your payout based on the age and condition of your roof. If you have an ACV (Actual Cash Value) policy, depreciation is subtracted from your payout. With an RCV (Replacement Cost Value) policy, depreciation is withheld initially but paid back after you complete the repairs and submit proof.
Do I need a public adjuster?
A public adjuster works for you – not the insurance company – and can be worth it for large or complex claims. They typically charge 10-15% of your settlement. Consider one if your claim was denied, the payout seems too low, or you do not have time to manage the process yourself.
Can I choose my own roofing contractor?
Yes. Your insurance company cannot require you to use a specific contractor. You have the right to choose any licensed, insured contractor. Get at least 3 estimates and pick a local roofer with solid reviews, proper licensing, and a clear written contract.
What if the damage is worse than the adjuster said?
This is common – adjusters inspect from the ground and may miss hidden damage. Once your contractor starts work and finds additional damage (rotted decking, damaged flashing, etc.), they can document it and you can file a supplement with your insurance company for the additional cost. This is a standard part of the process.
Get Help With Your Claim
Tell us about your storm damage and we will connect you with trusted local roofers who can help with your insurance claim.
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