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The Ultimate Guide to Roofing Insurance Claims: What Homeowners Need to Know

Date: May 2, 2024

Roofing insurance claims can be complex and daunting for homeowners facing unexpected damage to their homes. Understanding the process is essential for ensuring that repairs are completed promptly and that homeowners receive fair compensation from their insurance companies

In this guide to roofing insurance claims, we'll explore the key steps involved in navigating roofing insurance, from documenting the damage to following up on repairs. 

1.Documenting the Damage

Documenting the damage to your roof is the crucial first step in the insurance claims process. When damage occurs, it's essential to thoroughly document it to provide evidence to your insurance company. This documentation serves as proof of the extent of the damage and helps ensure you receive fair compensation for repairs or replacements.

Taking photographs and videos

When documenting roof damage, start by taking clear photographs and videos from multiple angles. Capture both close-up shots to highlight specific areas of damage and wide-angle shots to provide context. 

Ensure that the date and time stamp are enabled on your camera or smartphone to establish when the damage occurred. Consider using a ruler or another object for scale to provide perspective on the size of the damage.

Detailing the damage and the cause

In addition to visual documentation, it's crucial to detail the extent of the damage and its probable cause. Note any visible signs of damage, such as missing shingles, cracks, leaks, or structural issues. 

If possible, identify the cause of the damage, such as severe weather, fallen trees, or age-related wear and tear. Providing this information can help your insurance adjuster assess the situation accurately.

Keeping records of any temporary repairs

In some cases, you may need to perform temporary repairs to prevent further damage to your roof while waiting for your insurance claim to be processed. Keep detailed records of any temporary repairs you make, including photographs, receipts for materials, and notes on the work performed. 

These records demonstrate that you took reasonable steps to mitigate the damage and can help support your claim for reimbursement of repair costs.

2. Understanding Your Insurance Policy

Understanding your insurance policy is equally important to navigate the claims process effectively. Reviewing your policy for roof repair coverage, limitations, deductibles, and the claims process ensures you know what to expect and can advocate for yourself effectively.

Reviewing the policy for roof repair coverage

Carefully review your insurance policy to determine what types of roof damage are covered. Some policies may cover damage caused by specific perils such as windstorms, hail, fire, or falling objects, while others may have broader coverage. Pay attention to any exclusions or limitations that may apply to roof repairs.

Identifying limitations and deductibles

Take note of any limitations or exclusions in your policy regarding roof repairs, such as age restrictions or coverage caps. Understand the deductible amount you are responsible for paying out of pocket before your insurance coverage kicks in. Knowing these details helps you plan for potential expenses and understand the scope of your coverage.

Understanding the claims process outlined in the policy

Familiarize yourself with the claims process outlined in your insurance policy, including the steps you need to take to file a claim, the documentation required, and the timeline for processing claims. Knowing what is expected of you can help streamline the process and avoid delays in receiving compensation for roof repairs.

By documenting the damage thoroughly and understanding your insurance policy, you can navigate the roofing insurance claims process with confidence and maximize the benefits available to you.

3. Contacting Your Insurance Company

Contacting your insurance company and hiring a roofing professional for inspection are crucial steps in the roofing insurance claims process. These steps require careful attention to detail and effective communication to ensure a smooth resolution.

Filing the claim

When you discover damage to your roof, promptly file a claim with your insurance company. Most insurers have specific procedures for filing claims, which may include submitting a claim form online, over the phone, or through a mobile app. Provide accurate and detailed information about the damage, including when it occurred and its probable cause, to initiate the claims process efficiently.

Providing detailed information about the damage

After filing the claim, it's essential to provide your insurance company with detailed information about the damage to your roof. This may include photographs, videos, and written descriptions of the damage and its extent. Be thorough in documenting the damage to ensure that your insurance adjuster has all the information needed to assess the claim accurately.

Keeping records of all communication

Throughout the claims process, keep detailed records of all communication with your insurance company. This includes written correspondence, emails, phone calls, and in-person meetings. 

Record the date, time, and content of each interaction, as well as the names of any representatives you speak with. These records serve as a valuable reference in case of disputes or discrepancies during the claims process.

4. Hiring a Roofing Professional for Inspection

When hiring a roofing professional for inspection, research local contractors and select a qualified, reputable professional with experience in assessing roof damage and working with insurance claims. Check online reviews, ask for recommendations from friends or neighbors, and verify the contractor's credentials and licensing.

Scheduling a comprehensive roof inspection

Once you've chosen a roofing professional, schedule a comprehensive roof inspection at your earliest convenience. Ensure that the inspection is thorough and includes an assessment of the entire roof structure, including the shingles, underlayment, flashing, and decking. The inspector should also check for signs of water damage, leaks, and structural issues.

Being present during the inspection

Whenever possible, be present during the roof inspection to discuss any concerns or questions with the inspector directly. Being on-site allows you to provide additional information about the damage and ensure that all areas of concern are thoroughly evaluated.

Requesting a detailed inspection report

After the inspection, request a detailed inspection report from the roofing professional. This report should outline the findings of the inspection, including the extent of the damage, recommended repairs or replacements, and an estimate of the cost. Review the report carefully and provide a copy to your insurance company to support your claim.

By effectively contacting your insurance company and hiring a qualified roofing professional for inspection, you can expedite the claims process and ensure that your roof damage is properly assessed and addressed.

6. Submitting the Inspection Report to Your Insurance Company

When submitting the inspection report to your insurance company, it's essential to accompany it with a cover letter. The cover letter should provide a brief overview of the inspection findings, including the extent of the damage, recommended repairs, and any other relevant information. 

Be sure to include your contact information and policy number for reference.

Emphasizing the urgency of the repairs

In the cover letter and accompanying communication, emphasize the urgency of the repairs to your insurance company. Highlight any immediate safety concerns or risks of further damage if repairs are delayed. 

Providing a clear timeline for repairs and expressing the importance of prompt action can help expedite the claims process and ensure that repairs are completed in a timely manner.

Scheduling the Roof Repair

Once your insurance claim has been approved, it's time to schedule the roof repair with your chosen roofing company. Discuss the timeline and schedule for the repairs, taking into account factors such as weather conditions, availability of materials, and the contractor's workload. Ensure that the schedule aligns with your preferences and allows for  the timely completion of the repairs.

7. Reviewing and signing a contract with the roofing company

Before work begins, review and sign a contract with the roofing company outlining the scope of work, materials to be used, timeline for completion, and payment terms. Make sure the contract includes provisions for addressing any unexpected issues or changes that may arise during the repair process. 

Reviewing and signing a contract helps protect both parties and ensures that everyone is clear on expectations.

Preparing for the repair work

Prior to the start of the roof repair, make any necessary preparations to ensure a smooth and efficient process. This may include clearing debris from the work area, moving vehicles or obstacles out of the way, and securing any pets or valuables indoors. 

Taking these steps helps minimize disruptions and ensures the safety of both the roofing crew and your property.

Maintaining communication throughout the process

Throughout the roof repair process, maintain open communication with the roofing company to address any questions or concerns that may arise. Stay informed about the progress of the repairs and be proactive in addressing any issues that may arise. 

By maintaining communication, you can ensure that the repair work is completed to your satisfaction and that any unexpected challenges are addressed promptly. By submitting the inspection report to your insurance company and scheduling the roof repair with a reputable contractor, you can ensure that your roof damage is addressed promptly and effectively. 

Effective communication and careful planning are key to navigating the roofing insurance claims process successfully.

After the Roof Repair

After the roof repair is completed and in the event that your claim is denied, there are crucial steps to take to ensure that your interests are protected and that any outstanding issues are addressed promptly.

Providing proof of completion to your insurer

Once the roof repair is finished, it's essential to provide proof of completion to your insurer. This may include photographs of the repaired roof, invoices from the roofing company detailing the work performed and the materials used, and any other documentation requested by your insurance company.

 Providing thorough documentation of the completed repairs helps ensure that your claim is processed promptly and that you receive any reimbursement or coverage owed under your policy.

Reviewing and following up on the payment

After submitting proof of completion to your insurer, it's important to review and follow up on the payment for the roof repair. Your insurance company should provide you with a detailed breakdown of the reimbursement or coverage amount, including any deductible that you are responsible for paying. 

If you have not received payment within the expected timeframe, follow up with your insurance company to inquire about the status of the payment and ensure that any outstanding issues are resolved promptly.

What if Your Claim is Denied?

If your insurance company denies your claim, carefully review the denial letter to understand the reasons for the denial. The denial letter should outline the specific grounds for the denial, such as coverage exclusions, policy limitations, or discrepancies in the documentation provided. 

Understanding the basis for the denial is essential in determining your next steps and addressing any deficiencies in your claim.

If you disagree with the denial of your claim, consider seeking a second opinion from a trusted roofing contractor. A qualified contractor can assess the damage to your roof, provide an independent evaluation of the repairs needed, and offer expert advice on the viability of your claim. Their professional opinion can help bolster your case and provide additional evidence to support your claim.

If you believe that your claim has been wrongly denied, you have the right to file a claim dispute with your insurance company. Follow the procedures outlined in your policy for disputing a claim denial, which may include submitting additional documentation, providing a written explanation of your position, or requesting an independent appraisal or review of the claim. 

Be persistent and thorough in presenting your case to ensure that your claim dispute is resolved fairly and promptly.


Navigating roofing insurance claims can be a challenging process, but with the right knowledge and preparation, homeowners can effectively advocate for themselves and ensure that their homes are repaired promptly and to their satisfaction. By documenting the damage, understanding their insurance policies, communicating effectively with their insurance companies, and hiring qualified professionals for inspections and repairs, homeowners can navigate the claims process with confidence. 

In the event of a claim denial, homeowners should carefully review their options and seek assistance from trusted professionals if necessary. With diligence and perseverance, homeowners can successfully navigate roofing insurance claims and protect their most valuable investment—their home.

About Mikku & Sons
Mikku and Sons red repair track with its logo painted on its side- roofing company track wraps
Our roofing company was founded in 2001 by Michael Riutta, who is still part of the ownership and management team. Between Michael, his two sons and co-owners, Devin and Joshua, and our crew members, we have many years of experience to handle any type of roof repair or roof installation solutions you may need.