A Homeowner's Guide to Roof Insurance Claims

Discovering your roof has been damaged is stressful enough without the added complexity of navigating an insurance claim. But understanding the process can help you get the coverage you deserve while avoiding common pitfalls. Here's your complete guide to roof insurance claims.

Understanding Your Coverage

Before you need to file a claim, understand what your homeowner's policy covers:

Named perils policies cover only specific risks listed in the policy—typically things like fire, hail, windstorm, and falling objects. If the cause of damage isn't listed, it's not covered.

Open perils (all-risk) policies cover all causes of damage except those specifically excluded. These policies provide broader coverage but cost more.

Common exclusions in both policy types include damage from lack of maintenance, wear and tear, and often floods (which require separate flood insurance).

Know your deductible. You'll pay this amount out of pocket before insurance kicks in. Some policies have separate, higher deductibles for wind or hail damage.

Step 1: Document the Damage

As soon as it's safe, document everything:

Take photos and video of all visible damage—roof, interior, personal property, and landscaping. Get close-ups and wide shots.

Document the date and weather event that caused the damage. Note the time, conditions, and any weather alerts that were issued.

Keep damaged materials if possible. Don't throw away shingles, flashing, or other materials that came off the roof—they're evidence of damage.

Make temporary repairs if necessary to prevent further damage, but document everything first and save receipts.

Step 2: Contact Your Insurance Company

Report the claim promptly. Most policies require timely reporting—waiting too long can jeopardize your claim.

When you call, have your policy number ready, provide basic information about what happened, ask about your coverage, deductible, and next steps, and request an adjuster visit.

Document your communication—note the date, time, and name of everyone you speak with.

Step 3: Get a Professional Inspection

Before the adjuster arrives, have a reputable roofing contractor inspect your roof:

A professional inspection identifies all damage, including damage you might not see from the ground.

A detailed damage report from a contractor strengthens your claim by providing expert documentation.

Don't commit to repairs yet—wait until your claim is processed.

At River City Roofing Solutions, we provide free storm damage inspections and detailed reports that you can submit to your insurance company.

Step 4: Meet with the Adjuster

The insurance company will send an adjuster to assess the damage:

Be present for the inspection if possible. You can point out damage and answer questions.

Have your contractor present if allowed. They can ensure the adjuster sees all damage and provide professional insight.

Share your documentation—photos, videos, and contractor reports.

Be honest and thorough. Don't exaggerate damage, but make sure nothing is overlooked.

Take notes during the inspection, including what the adjuster examines and any comments they make.

Step 5: Review the Settlement Offer

After the inspection, you'll receive a settlement offer:

Review it carefully. Does it cover all the damage? Are the repair costs realistic for your area?

Compare to contractor estimates. If the insurance estimate is significantly lower than what contractors are quoting, there may be a discrepancy to address.

Understand what's covered: You may receive separate amounts for repairs, temporary living expenses (if you can't stay in your home), and personal property damage.

Step 6: Negotiate if Necessary

If you believe the settlement is inadequate:

Request an itemized explanation of how the amount was calculated.

Provide additional documentation, including contractor estimates, photos of damage the adjuster may have missed, and expert opinions.

Request a re-inspection if significant damage was overlooked.

Escalate within the insurance company by speaking to a supervisor if needed.

File a complaint with your state's Department of Insurance if you believe your claim is being unfairly denied or underpaid.

Consider a public adjuster if you can't resolve the dispute yourself. They work on your behalf (for a fee) to negotiate with the insurance company.

Working with Your Contractor

A good roofing contractor can be your ally in the claims process:

We document damage professionally, creating reports that insurance companies take seriously.

We understand insurance processes and can help you understand what's covered.

We can meet with adjusters to ensure all damage is noted.

We work within insurance budgets when possible, helping you get your roof repaired without significant out-of-pocket costs beyond your deductible.

Red Flags to Watch For

Be cautious of contractors who:

Offer to waive your deductible—this is insurance fraud.

Pressure you to sign contracts immediately after a storm.

Want to negotiate directly with your insurance without your involvement.

Ask you to sign over your insurance benefits.

Don't have a local permanent address or proper licensing.

These are often signs of storm chasers who may do substandard work or disappear before problems emerge.

The Bottom Line

Filing a roof insurance claim doesn't have to be overwhelming. Document thoroughly, report promptly, get professional help, and don't settle for less than fair coverage.

If you've experienced storm damage, River City Roofing Solutions can help. We provide free inspections, detailed damage documentation, and guidance through the insurance process. We're a local family-owned company—we'll be here long after your roof is repaired.