How Do I Claim Roof Damage On Insurance?

An Insurance Adjuster Looking at a Clipboard On a Roof.

How Does Roof Insurance Claim Work

If your roof has been damaged and requires repairs or a complete replacement, this can be very stressful. Not only because roof repairs and replacements can be a hassle at times, but because you have to deal with your roof insurance provider. The purpose of roof insurance is to ensure you get partial or full coverage for damages, but filing roof insurance claim can be overwhelming and tedious. When you file a claim with your roof insurance company, they are able to decide if the damages on your roofing system merit coverage. So how does one file a claim for roof damage with their insurance company?

The first thing is to find out is what your policy will cover. Not every policy will cover every type of roof damage, so its important to look at your policy and see if it covers your specific issue. Next, you will want to take a lot of pictures of your roof damage. The more documentation you can provide the better. Also, hold onto invoices and other bills. Lastly, you will want to find a licensed, insured, and reputable roofer who can inspect your roofing system. They will be able to give you an estimate on repair or replacement cost. Not only can they offer estimates, but most roofing contractors can help your through your roof insurance claim process.

How to File Roofing Insurance Claim

Many people who need to file a roof insurance claim often wonder, “How long do you have to file a claim for roof damage?” It is important that as soon as you know you have roof damage, you file a claim with your roof insurance company. The process can be stressful, which is why its crucial to file a claim as soon as possible. There are a couple of steps to take when filing a roof insurance claim.

  • Roof Inspection/Estimate: To find out how much repairs or a replacement will be, you need to call a roofer to inspect your roof and get an estimate.
  • File Roof Insurance Claim: If there is roof damage and the repair or replacement cost is more than your deductible, then you will want to file a claim.
  • Meet with an Adjuster: Your roof insurance provider will send out their own insurance adjuster to inspect your roof and determine if the damage can be covered.
  • Receive First Check: If the insurance adjuster finds that the damage can be covered by your insurance policy, then they will cut you the first check.
  • Roof Repair/Replacement: Contact your preferred roofer and have them repair or replace your roof.
  • Receive Second Check: If you qualify for RCCV or Replacement Cost Coverage, then you will receive a second check from your roof insurance provider.
  • Pay Your Roofer: Once everything is set with your roof insurance provider, you can then pay your roofing contractor for their services.

A question that people ask about filing a roof insurance claim is, “Can I use my own contractor on an insurance claim?” and the answer is that most of the time you can. You will want to use a roofer you trust so it seems perfectly fine to use your own roofer for an inspection and repairs or replacement. Another question that is frequently asked is, “Does your house insurance increase after a roof claim?” it can increase your insurance, but it will depend on the insurance provider that you use.

What Kind of Roof damage Is Covered By Insurance?

Many people who are filing a claim want to know if insurance roof claims for hail damage, wind damage, or even leaks are covered by insurance. It will honestly depend on many factors. Your policy or insurance provider will be able to tell you what damage they will specifically cover, but the age of your roof, where you live, and type of damage will determine if you get full or partial coverage. Typically, damages like fire, hail, rain, and wind will be covered by insurance, but the age of the roof will also determine if damages covered. If your roof is under 10 years old, then your insurance provider is more likely to provide full coverage for repairs or a replacement. However, if your roof is over 10 years old, then you might only get compensated for the depreciated value of the roof. One of the biggest damages that can happen to your roof are leaks, so a lot of people ask, “Is a roof leak covered by insurance?” It depends. If a roof leak occurs because of wind or hail, then it will be covered. If a leak develops due to the age of the roof, general wear or tear, or lack of maintenance, then your insurance will not cover it.

Does Your House Insurance Increase After a Roof Claim?

Insurance Claim for Roof Replacement and Repair

A Hand Holding a Hammer and a Nail to Install Shingles.

Call Our Roofers Today!

If you need help filing a roof insurance claim in Colorado Springs, CO, know that Reynolds Roofing Systems can help you! Just like you wouldn’t call anyone other than a professional for steel garage door installation, you shouldn’t call anyone but a licensed and experienced roofing contractor when you need help with your roof insurance claims. At Reynolds Roofing Systems we will be sure to take care of you and help your through this process. Contact us at (719) 368-7654 to learn more about our residential roofing services!