Your Guide To Understanding the Roof Insurance Claim Process

Megan Simonsen | May 28, 2023

A damaged roof can be a homeowner's nightmare. Whether from a severe storm, falling debris, or just regular wear and tear, a damaged roof can be expensive to repair or replace. Thankfully, many homeowners have insurance policies that cover roof damage. 

However, understanding the roof insurance claim process can be daunting for many. This blog will break down the roof insurance claim process step-by-step. By the end of this blog, you'll better understand how the process works and what happens if your claim is denied.

The Roof Insurance Claim Process: Step-By-Step

Step 1. Before Filing a Claim

Before filing a claim with your roof insurance company, you should first assess the damage and document it with photos and videos. This will help provide evidence to your insurance company throughout the claims process. 

Review your insurance policy carefully and note what is covered and what is not. Depending on your level of coverage, there might be specific deductibles or limitations. 

During this step, consider obtaining an estimate from a reputable roofing professional, which will help you prepare for how much repairs will possibly cost. The estimates can also be used as evidence during the claims process. 

Step 2. Filing a Claim

Next, contact your insurance company over the phone or online and file a claim – it’s best to do this as soon as possible. Be prepared to provide specific details about the damage to your roof. 

After notifying your insurance company, they will schedule an inspection with an adjuster to come out and assess the damage and determine the cost of repairs or replacement. Be sure to provide the photos and videos you took to the adjuster. 

Tip: If you have a trusted roofing contractor that you’ve worked with before, it’s a good idea to have them onsite during this inspection with the adjuster. They can help guide the adjuster and if your claim is denied, the contractor being present will help your case in the long run. 

The adjuster will provide you with an estimate of the cost of the repairs or replacement. The assessment will include the deductible, coverage limits, and what’s covered under the policy. 

Now it’s time to get your roof fixed. You may select a roofing contractor your insurance recommends or hire your own preferred professional. As progress is made on the roof, keep in touch with your insurance company and regularly provide updates. 

Typically, the roofing contractor gets paid after the job is complete. If you have a mortgage, your insurance check will be made out to you and your mortgage lender. This is because the lender has an interest in your home and wants to ensure repairs are made. The lender will endorse the check, put the money in an account, and pay for the repairs as they are completed. The contractor will then invoice your insurer for any extra money owed, which you will receive and pay to the contractor.

Note: This process can be dependent on your insurance policy. Be sure to check with your provider to confirm details so you can know what to expect. 

Step 3. After You File a Claim

After the repairs or roof replacement, you will provide proof of completion to your insurer. They will issue a payment to cover the cost of the services minus the deductible. Review this payment, and follow up with your insurance company if you have any questions or concerns. 

What Happens if Your Roof Insurance Claim Is Denied?

In the situation that your roof insurance claim is denied, here are some steps you can take to address the situation: 

# 1: Carefully review the denial letter your insurance company sends you. It should be thorough and outline their reasons for the denial. If you find any discrepancies or errors, note them down. 

# 2: If a roofer alerted you to the damage, get their opinion. You can also get a second opinion from a trusted roofing contractor to determine if there’s any additional damage the insurance company missed or if the initial assessment was inaccurate. 

# 3: If you believe your claim was wrongly denied, you can file a claim dispute with the insurance company. A claim dispute with an insurer occurs when the policyholder and the insurance company disagree about the amount of money that should be paid out for a claim related to your roof. This process involves submitting additional documentation and evidence to support your claim. 

# 4: If your claim dispute is denied, or you believe your insurance company is acting in bad faith, consider talking with an attorney. An experienced insurance claim dispute attorney will be able to help 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, The Lane Law Firm offers free, no-obligation consultations to answer all your insurance questions. We can help you navigate the dispute process and fight for the compensation you could deserve. We will carefully review the ins and outs of your policy, evaluate the claim, assist you with the appeals process, and provide unmatched legal advice and support throughout the whole process. 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.



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