When disaster strikes your roof—whether due to a major storm, falling tree, or hail damage—understanding how to navigate the insurance claim process is essential to avoid heavy out-of-pocket costs.
Getting insurance to cover a full roof replacement involves a series of crucial steps—from understanding your policy to documenting every sign of damage, filing a claim, and working closely with professionals.
In this guide, we’ll walk you through 8 essential steps, from spotting storm damage to securing the final insurance check.
By following these steps you won’t miss any details, making the most out of your policy, increasing your chances of getting insurance to pay for a full roof replacement, and avoiding out-of-pocket surprises.
With the right preparation and trusted help, you can make the insurance process smooth and stress-free. Find out how with Roofer.com.
1. Start with an In-Depth Policy Review
Your insurance policy is the foundation of the entire claim process.
Start by identifying the type of coverage you have: some policies offer full replacement costs, while others only cover actual cash value.
Replacement Cost Value (RCV) policies reimburse the full cost to replace your roof to its original state, minus your deductible.
However, Actual Cash Value (ACV) policies factor in depreciation, meaning they pay only what your roof is currently worth, often falling short of full replacement costs. Knowing these differences helps you set realistic expectations before you file.
- Replacement Cost Value (RCV) Policies: Cover the full cost to replace your roof without considering depreciation.
- Actual Cash Value (ACV) Policies: Account for depreciation, covering only the current value of your roof.
- Deductibles: Understand the amount you’re responsible for before insurance coverage begins.
- Exclusions: Be aware of any damages or scenarios not covered by your policy. For example, most policies exclude general wear and tear, routine maintenance repairs, Improper installation or certain roofing materials like wood shingles or overlaying shingles.
2. Document Damage Thoroughly with Photos, Videos, and Reports
After a storm, thorough documentation is essential to support your claim.
Walk around your property and photograph all visible roof damage from a safe distance—think missing shingles, granule loss, or even debris from fallen branches.
Collateral damage like dents in gutters, downspouts, or window screens can also bolster your claim.
Some homeowners also hire a drone service for better-quality roof images, providing a comprehensive view without risking safety.
- Photographs: Capture clear images of all visible damage from multiple angles, ideally marking the damaged spot with a chalk circle.
- Videos: Record videos to provide a comprehensive view of the damage.
- Collateral Damage: Document any additional damage to gutters, windows, or other parts of your property.
- Weather Reports: Obtain official reports of the storm or event that caused the damage (optional).
3. Get a Professional Roof Inspection
Once your damage is documented, schedule an inspection with a reputable roofing contractor.
A contractor’s detailed report strengthens your claim and offers an expert perspective on the severity and type of damage.
Many insurance companies require an inspection report before considering a claim, and having a contractor on-site to support the need for a full replacement can make a significant difference. They’ll know how to spot signs of storm damage—such as hail strikes and lifted shingles—that an adjuster might overlook.
- Licensed Contractor: Ensure the inspector is licensed and experienced in identifying storm damage.
- Detailed Report: Obtain a comprehensive report outlining the extent of the damage and recommended actions.
- Cost Estimates: Get written estimates for a roof repair or replacement to submit with your claim.
4. Contact Your Insurance Provider and Begin the Claim Process
After gathering documentation and inspection reports, reach out to your insurance provider to start the claim process.
Expect the insurance company to assign an adjuster who will conduct their own inspection. Be prepared with all your documents, including photos, your contractor’s report, and repair estimates.
This initial step will often determine the scope of coverage, so it’s crucial to be organized and thorough.
- Prompt Notification: Contact your insurer as soon as possible after the damage occurs.
- Claim Form: Fill out and submit the necessary claim forms provided by your insurer.
- Documentation Submission: Provide all collected evidence and reports to support your claim.
- Claim Number: Keep a record of your claim number for future reference.
5. Ensure Your Contractor is Present During the Adjuster’s Inspection
If possible, arrange for your roofing contractor to attend the insurance adjuster’s inspection.
A seasoned contractor can provide insights on damages and help validate the need for a replacement.
Some adjusters, while skilled, may miss subtle yet critical issues that a roofing expert can identify. Working together, your contractor and adjuster can agree on the extent of damage and required repairs, improving your chances of a comprehensive claim.
- Schedule Coordination: Arrange a time that works for both the adjuster and your contractor.
- Damage Explanation: Have your contractor explain the damage and necessary repairs to the adjuster.
- Documentation Sharing: Ensure both parties have access to all relevant reports and photos.
6. Carefully Review the Settlement Offer and Consider Supplementing
Once the adjuster completes their assessment, you’ll receive a settlement offer detailing the scope of work. Compare this offer with your contractor’s estimate to identify any missing items or discrepancies.
For Replacement Cost Value (RCV) policies you can supplement the claim, adding essential line items overlooked by the adjuster or invisible before the roof project started.
Be prepared for back-and-forth negotiation with your insurer to ensure the final settlement adequately covers all necessary repairs and materials. Alternatively, you can trust Roofer.com to negotiate with your insurance carrier on your behalf.
- Offer Comparison: Match the insurer’s offer against your contractor’s estimate.
- Discrepancy Identification: Note any differences in scope or pricing.
- Supplemental Claim: File for additional funds if justified by the contractor’s report.
- Negotiation: Engage in discussions with your insurer to reach a fair settlement.
7. Hire a Licensed, Reputable Roofing Contractor
When you’ve reached an agreement with your insurance provider, it’s time to move forward with the replacement. Choose a contractor with experience handling insurance claims for roof
After reaching an agreement with your insurance provider, it’s crucial to select a qualified roofing contractor to perform the replacement. Choosing a reputable professional ensures quality workmanship and compliance with local building codes.
- Verify Credentials: Ensure the contractor is licensed, insured, and bonded. This protects you from liability and guarantees adherence to industry standards.
- Check References and Reviews: Research past client experiences to assess the contractor’s reliability and quality of work.
- Obtain Detailed Estimates: Request comprehensive written estimates outlining materials, labor, and timelines to avoid unexpected costs.
- Review Contracts Thoroughly: Before signing, ensure all terms, warranties, and responsibilities are clearly defined in the contract.
8. Maintain Open Communication with Your Insurance Agent Throughout
Consistent communication with your insurance agent is vital throughout the claim process. They can provide guidance, clarify policy details, and assist in resolving any issues that arise.
- Provide Regular Updates: Keep your agent informed about the progress of repairs and any changes in scope.
- Seek Clarification When Needed: Don’t hesitate to ask questions about coverage, procedures, or documentation requirements.
- Document All Interactions: Maintain records of all communications, including emails and phone calls, for future reference.
How to Avoid Scams and Scammers
Unfortunately, the roofing industry is not immune to fraudulent practices. Being vigilant can protect you from scams that could lead to financial loss and substandard work.
- Beware of Door-to-Door Solicitors: Scammers often appear after storms, offering quick fixes at low prices. Always verify their credentials before proceeding.
- Avoid Upfront Payments: Reputable contractors typically don’t require large payments before starting work. Be cautious of those who do.
- Verify Licensing and Insurance: Confirm that the contractor holds the necessary licenses and insurance to operate in your area.
- Check for Complaints: Consult the Better Business Bureau and local consumer protection agencies for any complaints against the contractor.
- Get Everything in Writing: Ensure all agreements, including scope of work, timelines, and payment schedules, are documented in a signed contract.
Conclusion
Navigating the process of getting your insurance to pay for a full roof replacement can be complex, but with careful planning and due diligence, it’s achievable.
Understanding your policy, thoroughly documenting damage, and working with reputable professionals are key steps in securing the coverage you deserve.
Key Takeaways
- Understand Your Policy: Know whether you have Replacement Cost Value (RCV) or Actual Cash Value (ACV) coverage.
- Document Damage: Use photos, videos, and professional inspections to support your claim.
- Choose Reputable Professionals: Select licensed and insured contractors with positive reviews.
- Maintain Communication: Keep in touch with your insurance agent and contractor throughout the process.
Why Choose Roofer.com
At Roofer.com, we are committed to providing top-tier roofing services with integrity and professionalism. Our team of licensed and insured experts offers comprehensive inspections, detailed estimates, and quality workmanship.
We assist homeowners in navigating insurance claims, ensuring a smooth and transparent process. With a focus on customer satisfaction and adherence to industry standards, Roofer.com is your trusted partner for all roofing needs. Book a free inspection now.
