roof claim

Filing a Roof Claim

Your guide to the roof insurance claims process – and your insurance roof replacement questions, answered.

Any time you file an insurance claim for roof damage, your insurance company will send a licensed insurance adjuster to assess the damages your property may have incurred.

When you’ve incurred roof damage from hail, wind, or other types of storm damage your first instinct is to call your insurance company.

When roofing insurance claims are filed, your insurance company will send out an insurance adjuster to assess the damage that has been done to your roof.

Once the insurance adjuster provides an estimate of the damage, the roof insurance claim process begins.

Before you file your claim, read our quick guide below on what you should do first, and how a roof claim works.

What to Know First About the Roof Damage Insurance Claim Process

Filing a roof claim can be complicated.

There is a lot that goes on with roofing claims, and before you read on you should understand you don’t have to deal with the insurance claim on your own.

Experiencing a roof claim is no doubt stressful, from dealing with the adjuster to navigating your claim, you’ll spend some precious time getting it all done.

Insurance adjusters that are sent out from your insurance company represent your insurance company.

Their job is to minimize the cost of expenses that the insurance has to pay out.

Have you heard of a public adjuster?

A public adjuster is also a licensed insurance adjuster, but they don’t represent your insurance company, they represent you.

For further reading on what a public adjuster is, hop over to our partner Midwestern Adjusters.

They’ve written up exactly what a public adjuster is, and what they do.

If you’re not ready to handle the world of roof insurance claims, contact us and we will guide you through the entire process.

If you are a roof DIYer, read on how to get started on filing a homeowners insurance claim for roof damage.

Look For Roof Damage First

After you’ve been through hail or a major storm, you’ll want to first do a full assessment on your roof.

This might not be as easy as it sounds, as getting on your roof can pose its own set of problems like a hazardous fall.

Got a drone?

Charge up the batteries and let it do its thing.

Pro tip: Call in a roofing contractor or public adjuster if you are not comfortable getting on your roof.

If you’ve been through a hail storm, the damage might not be as apparent. as hail tends to put pellet size holes, dents, or marks in your roof.

If a wind storm is strong enough, you might not be able to see that a corner of your roof may have been lifted.

There are some obvious signs though, visible damage like peeled shingles, attic leaks, or even lots of granule loss in your gutters are all sure signs that you could have roof damage.

Even if your roof looks ok from a visual inspection, you can still have roof damage that can cause further damage that brings in mold and other problems.

If you’ve been through a bad storm, call a local roofing company with good reviews.

Most reputable roofing companies offer free inspections, so it is usually a no-brainer to have a roofing professional come out.

Types of Roofing Damage

Roof Hail Damage

When hail hits your roof, it affects the sandy coating of your shingles, and this coating is important because it protects the layer of asphalt below it.

When this asphalt is exposed, the ultraviolet rays from the sun cause that asphalt to dry & crack creating the perfect environment for a roof leak.

Even the smallest imperfection from a hail damage roof can be more problematic over time.

Wind Damage Roof

High winds (or repeated wind) can cause fracture points, and they can lift the corners of the shingles from your roof, or rip and tear them off completely.

Whenever your shingles are compromised, your roof is left exposed to water and other hazardous events.

Wind damage insurance claims can also be complicated if the damage hasn’t been fixed quickly, because your insurance company may claim you haven’t done everything to mitigate the problem.

Mold is not only toxic to you and your family, but it is not covered under a roof insurance claim.

Also, be sure to check your insurance policy, since there are some insurance policies that have requirements on how long you can wait after a major storm and what roof repairs are covered.

Also, it is worth noting that the roof insurance claims process ca be long and tedious, and can involve lots of documentation and follow-up.

If you want to save your time, contact a public adjuster.

Your Local Roofing Contractors Ready to Help

Elite Restoration Co. is a full-service roofing company that helps Illinois homeowners and commercial property management companies with roof replacements and roof repairs.

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Before Making Your Roof Damage Insurance Claim

It’s always good practice to document the condition of your roof even before any type of roof damage occurs.

Videos, images, or anything that you can present to your roof insurance claim is helpful in expediting the claim process.

Be sure that your images and videos are clearly stamped with the date and time – and take multiple pictures from as many angles of your roof as possible.

After a major storm, you’ll want to do the same thing.

Photos, photos, videos, and more photos.

This is the part where you really need to know what to look for.

Working with professional roofing contractor is trained in spotting fractures and stress points, and they may see more roof damage that can create further problems later on.

It’s can also be the difference of doing roof repairs or getting a new roof.

For extensive damage, a roofing contractor or a public adjuster can also help assist you with measurements and breakdown of costs to better understand if your insurance company is paying you correctly.

Getting a Fair Settlement From Your Roof Claim

The first thing to know is if your claim is denied, this is not the end.

A public adjuster can help appeal the denial, and handle the rest of the claim for you.

To understand you are getting a fair settlement, and you’ll have enough to cover the costs of repairs or replacement, you should get a few estimates from local roofing companies.

Because recoverable depreciation and the age of your roof is a factor, it is important to know what your insurance will cover, and how much a roofing contractor will charge for their services.

What Are Contingency Contracts?

What’s more, as you move the homeowners insurance claim process for your roof repairs or replacement, you’ll want to keep a close eye for contingency contracts.

When you are ready for repairs or a roof replacement after filing a roof damage insurance claim, you’ll want to be careful of contingency contracts.

A reputable roofing contractor won’t ask you to sign a contract before doing a free roof inspection, and if they do you should move on to another.

By signing a contingency contract, you are bound to them without ever knowing what the repair costs are.

Roof Claim Timeline

A roof insurance claim can take time.

There are number reasons not to take on your own roofing insurance claim, but the investment of your time will get taxed.

Partnering with a public adjuster or roofing contractor that is experienced with roof claims can help you every step of the way.

Not only will you feel more confident you were given a fair insurance claim payout, but you will also know how to handle a roof claim in the future (hopefully you don’t need to).

If you’ve ever been through a bad storm, hail, or strong winds do not hesitate in reaching out to us.

We offer free inspections, and we’ll provide you with all of the information you need to get your roof to a new or like new condition.

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Elite Restoration not only did everything they said they would do, but they made the whole experience painless and worth the anxiety. My house looks beautiful again, no longer embarrassed by the outdated colors.

-Cooper S Homeowner

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