How to File a Roof Insurance Claim
A step-by-step guide to getting the roof replacement your home needs with minimal out-of-pocket costs.
Filing a roof insurance claim can feel overwhelming, especially after storm damage. This guide walks you through the entire process so you know exactly what to expect.
Document the Damage
After a storm, safely inspect your property from the ground. Look for missing shingles, dents on gutters or downspouts, and debris in the yard. Take photos and videos of everything you see. Do not climb on the roof yourself — a professional roofing contractor can do a thorough inspection safely.
Contact a Licensed Roofing Contractor
Before calling your insurance company, have a licensed roofing contractor inspect your roof. A reputable contractor will provide a detailed damage report with photos, measurements, and repair estimates. This documentation is critical for your claim. At Best Roofing Pros, we provide free storm damage inspections and help homeowners navigate the entire insurance process.
File Your Claim
Contact your homeowner’s insurance company to open a claim. Provide your policy number, the date of the storm, and the damage report from your contractor. Most insurers have a time limit for filing claims after storm events, so act promptly.
Meet with the Insurance Adjuster
Your insurance company will send an adjuster to inspect the damage. Having your roofing contractor present during this meeting is highly recommended. They can point out damage the adjuster might miss and ensure the full scope of repairs is documented.
Review Your Settlement
Once the adjuster completes their report, you will receive a settlement offer. Review it carefully with your roofing contractor to ensure all damage is covered. If the offer seems low, your contractor can help you file a supplement for additional repairs.
Get Your Roof Replaced
After approval, your roofing contractor can begin the replacement. Most full roof replacements are completed in a single day. Upon completion, you will receive documentation for your insurance company and warranty information for your new roof.
Need Help with Your Roof Insurance Claim?
Best Roofing Pros has helped over 20,000 homeowners file and manage their roof insurance claims. We handle the paperwork, meet with adjusters, and fight for the full coverage you deserve.