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Roof Insurance Claims

We Work with Your Insurance to Cover Your Roof Insurance Claim!

Navigating Roofing Insurance Claims with Repair First Roofing

At Repair First Roofing, we understand that dealing with roof damage can be overwhelming, especially when it comes to filing insurance claims. That’s why we’re committed to simplifying the process for you. Our team has extensive experience in working with insurance companies, ensuring that your roof repair or replacement is as stress-free as possible. 

Roof Insurance Claims Inspection
We Accept All Major Insurace Companies Including
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The Roof Insurance Claims Process in 4 Easy Steps!

Damage Assessment

Our first step is to conduct a thorough inspection of your roof to assess the extent of the damage. This inspection is critical in determining the scope of work needed and in supporting your insurance claim

Filing Your Roof Insurance Claim

Once the damage is assessed, you’ll need to file a claim with your insurance company. We can guide you through this process, providing necessary documentation and photos of the damage to ensure a smooth and efficient claim submission.

Insurance Adjuster

Your insurance company will send an adjuster to evaluate the damage. We can be present during this appointment to ensure that all damage is properly noted and to advocate on your behalf.

Claim Approval & Roof Repairs

After your claim is approved, we’ll work with you to schedule the repair or replacement. We handle all aspects of the roofing project, ensuring high-quality work that meets both your needs and insurance requirements.

Types of Damage Typically Covered by Roof Insurance Claims

Understanding what types of damage your roof insurance typically covers is crucial in determining whether to file a claim. Here’s an overview of common damages that are generally included in roof insurance claims:

Weather-Related Damage
  • Storms and Wind: High winds can tear off shingles or cause trees and debris to fall on your roof, causing significant damage.
  • Hail: Hail can create punctures or remove granules from the shingles, compromising the roof’s integrity.
  • Snow and Ice: Heavy snowfall or ice accumulation can lead to structural damage due to the weight or result in ice dams that prevent proper drainage.
Accidental or Sudden Damage
  • Fallen Trees or Limbs: Damage from trees or large branches that fall on your roof during storms or due to rotting is typically covered.
  • Fire: Fire damage, whether partial or total, is usually covered under roofing insurance.
Vandalism and Malicious Acts
  • Deliberate Destruction: Acts of vandalism or other intentional damage to your roof are generally covered by insurance policies.
Other Covered Perils
  • Water Damage: This includes leaks caused by sudden and accidental events, but does not cover gradual wear and tear.
  • Animal Damage: Some policies cover damage caused by animals, though this can vary greatly between policies.

* It’s important to note that standard insurance policies usually do not cover damage resulting from lack of maintenance or wear and tear over time. Each insurance policy has its specifics regarding coverage limits and exclusions, so reviewing your policy details is essential.

Damage Covered by Roof Insurance Claims

Expertise &

Documentation &

Liaison with
Insurance Companies

How Repair First Roofing Helps with Your Roof Insurance Claim

Expertise and Experience:

Our team has extensive knowledge of the insurance claims process and roofing requirements. This expertise ensures that your claim is handled correctly and efficiently.

Documentation and Support:

We provide detailed documentation of the damage, necessary for your insurance claim. Our support extends from the initial inspection to the final completion of your roofing project.

Liaison with Insurance Companies:

We work directly with your insurance company, acting as your advocate to ensure your interests are represented. This includes communication with adjusters and providing necessary follow-ups.

Roof Insurance Claims Inspection

Questions & Answers About Roof Insurance Claims

Should I file an insurance claim for my roof?

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!

How often will insurance pay for a new roof?

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!

What kind of damage is covered by roofing insurance?

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.

Will my insurance rates increase if I file a roof claim?

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.

What is the process of filing a roof insurance 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.

How do I know if my roof’s damage is severe enough to file a claim?

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.

What if my roof insurance claim is denied?

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.

How long does it typically take for an insurance claim for roof repair or replacement to be processed?

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!

Get Started with Your Roof Insurance Claim

Don’t navigate the insurance claim process alone. Let Repair First Roofing be your guide and advocate.