A damaged roof is one of the most costly and stressful issues a homeowner can face. Whether caused by severe storms, falling debris, or long-term wear and tear, roof repairs or replacements can quickly become expensive. Fortunately, most homeowners’ insurance policies include coverage for roof damage.
Understanding how to navigate the roof insurance claim process is essential, but it can also feel overwhelming. This guide breaks down the roof insurance claim process step-by-step, helping you better understand the process and what happens if your claim is denied or underpaid.
Roof Insurance Claim Process: Step-By-Step
Step 1. Assess the Damage and Review Insurance Policy
Before filing your roof insurance claim, it's essential to assess and document the damage. Take photos and videos of your roof’s condition to provide evidence for your insurance company during the claims process.
Carefully review your insurance policy to understand what is and what is not covered. Be aware of specific deductibles or limitations based on your coverage level. During this step, consider getting an estimate from a reputable roofing professional. A professional estimate helps you understand potential repair costs and can be used as evidence to support your claim during the insurance review process.
Step 2. File Your Claim
Contact your insurance company by phone or through their website to file your roof insurance claim. It’s best to do this as soon as possible after the damage occurs.
Be prepared to provide specific details about the type and extent of the roof damage.
Step 3. Adjuster’s Inspection
Once you have notified your insurance company, they will schedule an inspection with a claims adjuster to assess the roof damage and determine the cost of repairs or replacement. Be sure to share the photos and videos you took of your roof damage to the adjuster.
After the inspection, the adjuster will provide an estimate that includes:
- The repair or replacement costs
- Your deductible
- Policy coverage limits
- A breakdown of what is covered under your policy
Tip: If you have a trusted roofing contractor that you’ve worked with before, it's a good idea to have them onsite during the adjuster’s inspection. The roofing contractor can help point out damage the adjuster might miss. If your roof insurance claim is denied or underpaid, their presence will help your case in the long run.
Step 4. Begin Roof Repair or Replacement
Once your claim is approved, it's time to move forward with your roof repair or replacement. You can either use a roofing contractor recommended by your insurance company, or hire your own preferred contractor.
As progress is made on the roof, stay in touch with your insurance company and update them regularly. Consistent communication helps avoid misunderstandings and keeps your roof insurance claim process running smoothly from start to finish.
Step 5. Finalize Your Roof Insurance Claim After Repairs are Complete
Typically, the roofing contractor is paid after the work is finished. If you have a mortgage, your roof insurance payment will likely be issued to both you and your mortgage lender. This is because the lender has a financial interest in your home and wants to ensure the repairs are completed properly. The lender will endorse the check, deposit the funds into an escrow account, and release the money in stages as the work is completed. The contractor may then invoice your insurance provider for any additional approved funds, which will be sent to you to pay the remaining balance.
Note: This process can vary depending on your insurance policy. Be sure to confirm payment procedures and documentation requirements with your provider so you know what to expect throughout the roof insurance claim process.
Once the repairs or roof replacement are complete, you’ll need to submit proof of completion to your insurer. After receiving this documentation, your insurance company will issue the final payment, minus the deductible. Review the payment carefully and contact your insurer with any questions or concerns about the payout.
What Happens if your Roof Insurance Claim is Denied?
If your roof insurance claim is denied, here are some steps you can take to address the situation:
1. Review the Denial Letter: Carefully read the denial letter from your insurance company. It should clearly explain the reasons for denying your claim. If you spot any errors or incomplete information, make note of them immediately.
2. Get a Second Opinion from a Roofing Contractor: If a roofer originally identified the damage, consult them again. You can also get a second opinion from another reputable roofing contractor to determine if any damage was overlooked or if the insurance assessment was inaccurate.
3. Dispute the Denied Roof Insurance Claim: If you believe the claim was wrongly denied, you can file an insurance claim dispute. A dispute typically arises when the policyholder and the insurer disagree on the amount owed or coverage eligibility for roof-related damage. The process involves submitting additional documentation and evidence to support your claim.
4. Consult a Roof Insurance Claim Attorney: If your claim dispute is denied, or you believe your insurance company is acting in bad faith, consider speaking with an attorney. An experienced insurance claim dispute attorney will be able to identify the validity of your claim dispute, help you navigate the legal system, and fight for the compensation you could deserve.
Don't Settle for Denied or Underpaid Insurance Claims
If your roof insurance claim is denied or underpaid, The Lane Law Firm is here to help. We offer free, no-obligation consultations to answer your insurance questions and explain your legal options. Our team can help you navigate the claim dispute and appeals process, thoroughly review your policy, and provide expert legal advice and support every step of the way. If necessary, we’ll even represent you in court and make negotiations on your behalf so that you can have peace of mind.
The Lane Law Firm is here to help level the playing field with your insurance company and ensure that you are treated fairly and receive the compensation you deserve for the damage to your roof. Call our knowledgeable team to get started today.
