Filing a Farmers roof claim in Phoenix?
Independent measurements + verified NOAA storm history for your exact address — the documentation Farmers adjusters accept. Free, in about 30 seconds.
~8%
14–28 days from site visit
Cosmetic exclusions, ACV vs. RCV disputes, and depreciation calculations.
The Farmers gotcha in Phoenix
Cosmetic-damage exclusions on tile roofs. Farmers can deny claims for chipped or cracked tiles if they judge the underlayment is still watertight, even when the tile is broken.
Filing tip: Farmers
Document interior damage, dislodged tiles on the ground, and underlayment exposure — not just cosmetic cracks — to keep the claim out of the cosmetic-exclusion bucket.
Get the report Farmers adjusters accept
Enter your Phoenix address. We'll pull satellite imagery, measure the roof to adjuster-grade accuracy, and produce an insurance-ready PDF you can hand your Farmers adjuster.
Free for homeowners because we charge contractors for the pro version. You get a reduced free version — no credit card, no obligation.
How to file a Farmers Phoenix roof claim
- 1.
Document the damage from the ground
Photos of tiles in the yard, dented A/C fins, dislodged ridge caps, interior water spots. Don't climb the roof after a monsoon — cracked tiles are slippery and load-bearing paths are compromised.
- 2.
Pull the free roof report
The report above gives you measurements, an AI age estimate, and every NOAA hail and damaging-wind event within 10 miles of your address over the last 24 months. Bring the PDF to the claim call.
- 3.
Open the claim with Farmers
Document interior damage, dislodged tiles on the ground, and underlayment exposure — not just cosmetic cracks — to keep the claim out of the cosmetic-exclusion bucket. Get a claim number in writing before anything else.
- 4.
Meet the adjuster prepared
Have your independent measurements ready. The report you pulled above is the anchor against Farmers's in-house or third-party measurements.
- 5.
Verify AZ ROC license on any roofer
Look up any contractor at roc.az.gov. Storm chasers won't be here for the 10-year warranty — a local licensed AZ ROC roofer will.