Working With Your Insurance Company When Your Roof is Damaged.
If your roof is damaged in a winter storm, hailstorm, hurricane, tornado, by falling branches or debris, or other incident, your homeowners insurance policy may cover the cost of repair or replacement. Here are some tips on filing an insurance claim that can help to speed the process and get your roof restored quickly.
- Call a professional roofing contractor to inspect the roof and document damage, including a written description and digital photographs
- Ask for a written estimate for repair or replacement of the roof
- Call your insurance company and notify them of the damage
- Have the following information ready when you call to file the claim:
- Location of the home
- Policyholder name
- Date of the storm or incident
- Time of the incident
- Cause of the damage (wind, hail, trees, etc.)
- Detailed description of the damage
- Age of the roof
- Obtain a claim number from your insurance company
- The insurance company will assign an adjustor to your claim
- Tell the insurance company that you want your roofing contractor present when the adjustor arrives to inspect the damage
- Get the adjustor’s name and cell phone number to speed the process
- The adjustor will call to schedule a time to visit your home and inspect the roof
The final determination of the value of the claim will be made by your insurance company, based on the report from the insurance adjustor. Depending on the age of your roof, the amount paid may be less than the full cost of repair or replacement (due to depreciation). This figure can sometimes be negotiated. Your roofing contractor can help by providing a detailed damage report and a detailed repair estimate.