Roof Insurance Claims

Whether to file an insurance claim for your roof depends on the extent of the damage and your policy’s terms. Minor damages might not surpass your deductible, making a claim unnecessary.

However, for significant damage, especially from unforeseen events like storms or fallen trees, filing a claim is advisable. Always assess the damage with a professional and review your policy details before deciding.

Regardless of whether you choose to go to your insurance company for a roof insurance claim, Repair First Roofing is happy to come out for a free roof inspection and give you professional advice about your options!

Insurance typically pays for a new roof if the damage is caused by a covered peril, such as severe weather, fire, or vandalism, and if your roof is within a certain age limit (usually under 20 years old). There’s no set frequency for how often insurance will pay for a new roof, as it depends on the occurrence of such events and the condition of your roof.

The Repair First Roofing team is happy to help you navigate these waters with your roof insurance company! Please give us a call or book a free inspection online!

Roofing insurance generally covers damage caused by unforeseen and uncontrollable events like storms, hail, wind, fire, and vandalism. Wear and tear or poor maintenance issues are usually not covered. Each policy has its specifics, so it’s important to understand the coverage details and exclusions.

Filing a claim can potentially lead to an increase in your insurance rates. This increase is more likely if you have filed multiple claims in a short period. However, it largely depends on your insurer’s policy and the nature of the claim.

To file a roof insurance claim, first document the damage with photos and notes. Our roof inspectors are happy to save you the hassle of climbing onto your roof to collect evidence! Please give us a call and we’ll help you through the process!

Next, you’ll contact your insurance company to report the damage and submit your claim and the evidence. An insurance adjuster will typically inspect the damage.

Based on their assessment and your policy details, your claim will be processed for repair or replacement.

Evaluating the severity of roof damage requires a professional assessment. Generally, if there are extensive leaks, significant shingle damage, or damage caused by an external event (like a storm), it’s severe enough. Minor issues, like a few missing shingles, might not necessitate an insurance claim.

If your claim is denied, you can request a detailed explanation from your insurer. Review their reasons and your policy carefully.

If you believe the decision is unfair, you can file an appeal or dispute the claim with the help of a public adjuster or legal counsel.

The time it takes to process a roof insurance claim can vary depending on the insurance company, the extent of the damage, and the efficiency of the claim filing and inspection process. Typically, it can take anywhere from a few weeks to a few months. It’s crucial to follow up regularly with your insurance company to keep the process moving. Our team at Repair First Roofing understands the importance of quick communication and will do our very best to get you all the information you need in a timely manor so you can get your roof insurance claim approved as quickly as possible!