Understanding the Roofing Insurance Claims Process

Roofing insurance covers fire, water, and storm damage.

A homeowner with roofing insurance has peace of mind if the roof gets damaged. But besides paying premiums, plenty of homeowners don’t take the time to learn how to file a claim. As a result, they don’t know what to do when the roof gets damaged.

Discover how to file a roofing insurance claim:

Roofing insurance claims process

Roofing insurance covers fire, water, and storm damage. When homeowners apply for roofing cover, they pay an agreed monthly amount to the insurer. This way, when the roof sustains damage related to the risks covered, the insurer will do the repair or replacement work.

Documenting and inspecting the damage

When a homeowner notices damage on the roof, they should first take pictures of the affected areas. Next, they should call a roofing company and arrange an inspection.

The roofing company should confirm if the damage is significant enough to justify a claim. Also, it should ensure that the damage resulted from the risk covered by the insurer and estimate the repair costs.

Filing the claim with the insurance company

After inspection, the homeowner should contact the insurer and file a claim. Typically, they give a homeowner a claim number and the date when the adjuster will come to do an assessment.

Most roofing companies help homeowners report the claim. Also, they might offer contingency agreements to represent the homeowner in the claim process. When the claim succeeds, they take over the repair or replacement work.

Assessment by the insurance company adjuster

After filing a claim, an insurance company sends an adjuster to assess the homeowner’s roof. Afterward, they prepare a report that the insurance company will reference.

During this time, a homeowner should provide all the pictures and details related to the damage. Also, they should invite the roofing company to witness the adjuster’s work. This will ensure the adjuster has recorded all the details and their findings are not biased.

Evaluation of the report

Insurance companies don’t accept all claims. After receiving the adjuster’s report, the insurer evaluates it to determine whether the homeowner’s claim is legitimate.

If they do, a homeowner gets an email notification with the compensation details. It includes the damages the insurance company will pay for, the amount of work needed to restore the roof, and the amount the homeowner will receive.

Roof repair and replacement

The insurance company sends the homeowner the first check to commence the repair or replacement work. The homeowner should use it to pay the roofing company for materials, labor, and other related expenses.

After the work is complete, the roofing company should send an invoice to the insurance company and other associated documents. When satisfied, the insurer will release the last check, and the process will be complete.

File for roofing insurance claims

Not understanding the filing process can discourage some homeowners from pursuing a claim. Therefore, homeowners should contact a professional roofing company for advice if they encounter obstacles.

Roof X Inc. offers commercial and residential roofing for customers in Brandon, Pensacola, Tampa, and surrounding areas. We install and repair metal, tile, shingle, TPO, and more. Gutters, ventilation, and insulation are also available. Family-owned-and-operated