What Roof Damage Insurance Claims Cover
Learning what may be covered under a roof damage insurance claim can help you take the right steps to repair your roof after a storm. Coverage applies to wind damage, hail impact and falling debris:
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How to File a Roof Insurance Claim
Filing a roof insurance claim promptly helps document damage and start the claims process. Three steps start the process correctly:
- Call your insurance company: Contact claims immediately after discovering damage. Request a claim number and provide the storm date.
- Schedule adjuster inspection: Confirm the exact meeting date and time when your insurance company assigns an adjuster.
- Secure contractor representation: Reach out before the adjuster arrives. Our HAAG-certified inspectors attend meetings to document the full scope of damage.
Our Role as Your Insurance Claim Roofing Contractor
Insurance adjusters represent insurance companies, not policyholders. We balance that dynamic. Our team documents damage using Xactimate software, which insurers commonly use to estimate repair costs.
We identify structural issues beyond surface observations and supplement claims when estimates overlook code-required upgrades. Our Owens Corning Platinum Preferred status reflects recognized industry credentials.
You pay only your policy deductible. We handle estimate negotiations and supporting claim documentation.
Avoid Insurance Fraud Schemes
Contractors who offer to “waive your deductible” commit insurance fraud. This scheme inflates estimates or submits false contracts to your insurance company. Insurance fraud investigations can jeopardize coverage and create potential legal liability for policyholders.
Select contractors based on credentials and proven claims expertise.
Frequently Asked Questions
Common questions about roof insurance claims include:
