Working with Insurance on Roof Claims

# Working with Insurance on Roof Claims

Filing an insurance claim for roof damage can feel overwhelming, but understanding the process helps ensure you get fair coverage for necessary repairs.

When to File a Claim

File a claim when you have:
- Storm damage (hail, wind, fallen trees)
- Sudden leaks from covered perils
- Damage from fire or vandalism

Don't file for:
- Normal wear and tear
- Gradual leaks
- Maintenance issues

Documentation is Key

Before calling your insurance company:

1. Take Photos: Document all visible damage
2. Note Dates: When did the damage occur?
3. Collect Evidence: Weather reports, receipts for temporary repairs
4. List Damage: Interior and exterior issues

The Claims Process

1. Contact Your Insurer: Report the claim promptly
2. Emergency Repairs: Make temporary fixes to prevent further damage
3. Adjuster Visit: Cooperate fully and be present
4. Get Estimates: Work with reputable contractors
5. Review Settlement: Understand what's covered

Working with Contractors

- Choose licensed, insured contractors
- Get multiple estimates
- Understand the difference between actual cash value and replacement cost
- Don't sign over insurance checks

Maximizing Your Claim

- Document everything thoroughly
- Know your policy details
- Consider hiring a public adjuster for large claims
- Don't accept the first offer if you believe it's inadequate

Common Pitfalls

- Filing claims for normal wear and tear
- Not reading policy details
- Choosing contractors based only on price
- Not understanding depreciation

Get Professional Help

If you're dealing with insurance after roof damage, we can help guide you through the process and work directly with your adjuster.