Roof Insurance Claims Assistance

Begin by reviewing your insurance policy to understand your coverage. Document the damage with photos or videos, and compile any relevant records (such as previous repair invoices). Then, contact your insurance company to report the claim. They will guide you through their process, which typically involves filling out claim forms and scheduling an inspection by an insurance adjuster.

For a roof insurance claim, you'll need detailed photos of the damage, a written description of the damage and how it occurred, any receipts for repairs or maintenance work previously done on the roof, and estimates for the repair or replacement from licensed roofing contractors. Keeping a record of the date and details of the event causing the damage (like a storm) is also helpful.

An insurance adjuster will schedule a visit to inspect the roof damage firsthand. During this inspection, the adjuster will assess the extent of the damage, determine what is covered by your policy, and estimate the repair costs. It's beneficial to have your roofing contractor present during this inspection to ensure all damage is noted and properly evaluated.

You typically have the right to choose your own roofing contractor. While some insurance companies may suggest or recommend contractors, it's ultimately your decision. Selecting a reputable, licensed, and insured roofing contractor experienced in insurance claims can ensure that the repairs meet your standards and comply with local building codes.

If the insurance settlement offer does not fully cover the repair or replacement costs, you can dispute the claim amount. Provide your insurance company with detailed estimates from your roofing contractor, highlighting any discrepancies between what the adjuster estimated and what your contractor has quoted. In some cases, a re-inspection by another adjuster or an independent appraisal may be necessary to resolve the difference.