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Homeowners Roof Insurance Claim Process: A Step-by-Step Guide

Homeowners Roof Insurance Claim Process: A Step-by-Step Guide

Have you recently experienced roof damage and need to file a claim with your insurance? Having a roof insurance claim denied is often the cause of homeowners who aren’t familiar with the limits of their policies. They may wait too long to file a claim or fail to collect detailed evidence of the damage before it’s too late. 

By knowing what to expect, you’ll be able to successfully file a claim that’s accepted by your insurance company. 

Read on to learn everything you need to know about the roof insurance claim process so you can file a claim stress-free! 

Step-by-Step Roof Insurance Claim Process

When it comes to navigating your homeowner’s insurance claim, knowing each step of the process will increase your likelihood of having a claim accepted. Here are the top steps you need to know: 

Contact Your Insurance Company First

Many homeowners make the mistake of contacting a contractor for repairs before they even notify their insurance company. Your insurance company needs to be able to assess the damage on your roof as well as provide you with an estimate. They may even have a list of preferred contractors for you to use. 

After an inspector arrives at your home, they’ll see if the damage occurred through normal aging or everyday wear and tear. If this is the case, the insurance company typically doesn’t cover maintenance or repair costs. 

Collecting Evidence

It’s also important that you collect all the necessary documentation before you file your claim. The more material you have, the better. This includes photographic evidence of the damage your roof sustained along with past work orders. 

You’ll also want to have a copy of your current home insurance policy in hand along with any home inspection reports. 

Check Inside

It’s important to remember that there may also be evidence of damage inside your home. Photograph any cracks, discoloration, or peeling wallpaper that you notice that could be an indication of water damage. Remember to check your attic and look for damp insulation. 

Providing Estimates

Some insurance companies will request an estimate by a licensed and insured contractor. If this is the case, you need to ensure that you find a contractor that’s used to providing detailed estimates. They also need to be experienced with working with insurance companies in order to help you approve a roof insurance claim.  

If the damage is so great that you’re forced to live in a hotel, the cost of the hotel should be included with your claim as well. 

Material Requirements

Contacting your insurance company first is also important because they may have specific requirements when it comes to materials. You may need to provide proof that you’re using the correct materials that will protect your home against future wind and rain damage. 

Once you’ve shown photographic or documentary proof that you’ve used the correct materials, your claim will be processed. 

Consider the Deductible 

When it comes to getting your roof replaced by homeowners insurance, most insurance policies will come with a deductible. This is the amount you’ll have to pay out of pocket before your insurance company pays the rest. For instance, if the cost of a new roof is $5000 and your deductible is $1000, your policy will pay the remaining $4000. 

Keep this in mind when you file a claim with your provider. 

Keep a Log

Last but not least, it’s important to keep a log of correspondence during all of your communication with your insurance company. This can be a drawn-out and arduous process. Keeping track of who you spoke to, what time, and what you spoke about will help you keep details and facts straight overtime. 

You may also need to contact the same person multiple times. This can become complicated if there are multiple people in the office with different numbers or extensions. 

Does Your Roof Need a Replacement? 

Your roof may need a complete replacement depending on the level of damage its sustained. If you’ve taken your own photos of the roof or climbed up to take a look at it, here are some of the signs.

It’s important to remember that homeowners should schedule a regular roof inspection at least twice a year so that these signs can be caught as early as possible. 


It may be time to replace your roof even you notice that a majority of your shingles look worn, curled, buckled, or missing. They may also be split or frayed. 

Water Damage

Water damage is a big indicator that your roof is suffering from long-term issues. Indoors, you may notice peeling wallpaper, cracked paint, or discolored walls and ceilings. Damp insulation in the attic is also a good indication that water is finding its way inside. 

An Easy Guide for Roof Insurance Claims

When it comes to the roof insurance claim process, it’s better to be over-prepared than under-prepared. If you’re wondering how to get a new roof from insurance, the first step is being knowledgeable about your policy. You need to know the limits, your deductible, and the kinds of damage that the insurance company will accept.

This is why regular inspections are more important than most homeowners realize. If you fail to regularly inspect your roof, you may not be noticing damage from regular wear and tear that’s becoming worse from a lack of regular maintenance. 

Do you have a roof that needs to be repaired but doesn’t understand the roof insurance process? 

Contact us today for a complimentary insurance restoration inspection today!