Should I File a Claim for Roof Damage?

An Insurance Adjuster Inspects a Roof.

Should I file a claim for roof damage?

Anytime your roof has been damaged, whether by a storm, fire or other event, you’ll definitely want to get repairs made as soon as possible. But, don’t rush to the nearest roofer just yet. If you have homeowner’s insurance, roof damage may be covered by it. A roof insurance claim may be the first thing you want to do. Normally, you should consider filing a claim if the damage was caused by what insurers call perils. These are events like hail, wind, lightning strikes, fires, vandalism or acts of God (uncontrollable circumstances) that led to the damage. If the damage exceeds the deductible, insurance will usually cover repairs or even replacement.

Of course, if the damage isn’t caused by any covered peril—if you’ve neglected maintenance for instance—your insurer will probably not cover the damage. The age of your roof may also affect whether repair costs will be covered in full or just partially covered. If your roof is 10 years or older, coverage may be limited. Other circumstances also could limit coverage. Always check with your insurer to clarify any concerns about coverage.

Actually, while you may not want to dive right into repairs without consulting your insurance company, a reputable roofer like Approved Roofing can provide roof insurance claim assistance in Forney, TX. We can, for instance, inspect your roof before adjusters do to assess the damage and help you file the claim. If you need help with a roof insurance claim, give our team a call at (972) 742-3071.

How do roof insurance claims work?

In general, a roof insurance claim will involve you filing a claim, an insurance adjuster coming out to inspect the damage, and the insurance company paying out a particular amount based on the coverage you have and the damage assessed. While this may sound simple, it can be complicated depending on the coverage you have. Many policies assess coverage based on the replacement cost value (RCV), which means the cost at the time of loss minus the deductible. Depreciation does not factor in. Some companies, however, offer coverage based on actual cash value (ACV), which factors in depreciation over time. This means if your roof is damaged both the deductible and depreciation value are subtracted from the claim. This could leave you short when it comes to paying for repairs or replacement. ACVs are often offered at a lower premium than RCVs. Check with your insurer to find out how your roof is covered under your policy.   

How do I claim storm damage to my roof?

Filing a roof insurance claim follows a similar process whether it’s for a storm, a fire, or other event. The steps are outlined below.

How to file roofing insurance claim

  • Fully document the damage: Take as many photos as you can of the damage, and, if possible, what caused the damage. You’ll want to take photos before you make any temporary repairs, like adding a tarp.
  • Get in touch with the insurer: Once the damage is documented, call your insurance company to let them know about the damage and confirm that it is covered by your policy. If the roof was vandalized, you’ll want to file a police report before contacting the insurance company.
  • File claims paperwork: Your insurer can either provide you the paperwork to file the claim or often you can file the claim online.
  • Claims adjuster verifies claim: Usually, the insurance company will send out an adjuster who will verify the claim by documenting the damage.
  • Save receipts from all repair work done and other related receipts: You’ll want to save all receipts for repairs or even any for stays in hotels. You want to make sure all information is documented and accurate and the insurance company could reimburse you for a hotel stay if your home was uninhabitable.

One thing to remember, should you have any disputes with the insurance company over coverage, you have the right to hire a public adjuster to help you with the claim. You can always get help from Approved Roofing with this.

How do I get my insurance to pay for a new roof?

If you are making an insurance claim for roof replacement your claim must meet certain criteria set down by the insurance company to get a new roof. Foremost is that the damage has to fall under a covered peril such as a storm or a fire or similar event. Next, the damage must exceed the deductible. Coverage may be limited, however, depending on circumstances such as the age of the roof.

What do insurance adjusters look for on roofs?

With a roof insurance claim, your insurance company will normally send out an adjuster to inspect the roof to verify the claim. The adjuster will take into account a variety of things, including the age of the roof, as well as if it was installed properly. Primarily, though, they will be looking for visible signs of damage such as missing shingles or divots in the shingles caused by hail.

Hail Damage is Circled in Chalk by an Adjuster.

Roof insurance claim denied

One of the primary reasons an insurance company might deny a roof insurance claim is that the damage assessed does not exceed the deductible. The roof’s age may play a factor as well in having a claim denied or assessed at a lower rate that might leave you short for repairs. Sometimes insurance adjusters may miss damage or even undervalue the damage once they’ve assessed your roof. If you believe your insurance company may have underestimated the damage to your roof and would like help with your roof insurance claim in Forney, TX, give Approved Roofing a call at __PHONE__. We have years of experience in roofing and working with insurance companies, and can help you get a fair settlement.