Roof damage is stressful enough without having to figure out if your insurance will help pay for it.
Between confusing policy terms, tight deadlines, and vague estimates, it’s easy to feel stuck before you’ve even started.
But getting your claim approved isn’t impossible. It just takes a bit of know-how.
We’ll walk through what to do, when to do it, and how to improve your chances of getting covered.
Key Notes
- Policy coverage varies: know ACV vs RCV and age restrictions before filing.
- Licensed roofer inspections before insurance adjusters improve claim success rates.
- Meeting adjusters with your contractor ensures a complete damage assessment.
- Denied claims can often be appealed with additional evidence or reinspection.
1. Know What Your Policy Covers (& Doesn’t)
Before you file a claim, grab your insurance policy and start reading. Not every type of damage is covered, and not every roof qualifies for full replacement.
- Covered perils usually include hail, wind, storms, fire, and falling debris.
- Excluded causes often include wear and tear, poor maintenance, mold, and improper installation.
- ACV vs RCV: If your policy pays out Actual Cash Value (ACV), it deducts for depreciation. Replacement Cost Value (RCV) policies cover the full cost of a new roof, minus your deductible.
- Age restrictions: Many insurers limit coverage or reduce payout on roofs older than 15–20 years.
If you’re unsure about the terms, call your agent for clarification. It’s better to ask than assume.
2. Call a Licensed Roofer Before You Call the Insurer
This one surprises people, but it makes a big difference.
A licensed roofing contractor can inspect the damage, take photos, and provide a detailed report – before the insurance adjuster shows up.
Why it matters:
- A roofer knows what insurers look for (and what they tend to overlook)
- You’ll get an honest read on whether it’s worth filing a claim
- They can help you avoid minor claims that could raise your premiums unnecessarily
Plus, many contractors (including us) are experienced in insurance claims and can guide you through the process.
3. Document Everything
Insurers want proof. The more thorough, the better.
Here’s what to include:
- Photos and videos of all damage (missing shingles, dents, leaks, water stains, etc.)
- Interior photos if you have ceiling stains or leaks
- Maintenance records to prove upkeep
- Date and cause of the damage (e.g., “Windstorm on April 18, 2025”)
4. File the Claim Promptly
Insurance companies usually require you to file claims within a specific window. Sometimes it’s 30 days, sometimes up to a year. But sooner is always better.
- Use your insurer’s online portal or call their claims line
- Submit your roofer’s inspection, photos, and maintenance records
- Keep a log of every call and email you exchange with them
Delaying your claim could give the insurer a reason to deny it.
And if secondary damage occurs because you waited? That’s often not covered.
5. Meet the Insurance Adjuster (With Your Roofer in Tow)
Once your claim is filed, your insurer will send out an adjuster to inspect the damage. Make sure your contractor is there too.
Why it helps:
- Your roofer can point out damage that might otherwise be missed
- They can speak the same technical language as the adjuster
- It helps ensure nothing is overlooked or minimized
The adjuster will prepare an estimate based on what they see, so it’s important they get the full picture.
6. Review the Insurance Estimate Carefully
When the insurance company sends back their estimate:
- Compare it to your roofer’s estimate line by line
- Make sure the scope of work, materials, and labor are accurate
- Check whether they’re paying ACV or RCV
If the payout looks too low, you can request a reinspection or submit additional documentation.
Many first estimates are negotiable.
7. Understand When Full Replacement is Justified
Insurers won’t always approve a full replacement, but there are scenarios where it’s warranted:
- Widespread or severe damage across large sections of the roof
- Material mismatch: If repairs can’t match existing materials (and your policy has a matching clause)
- Roof age: If the roof is near the end of its lifespan
- Building codes: Some areas require full replacement if a certain percentage of the roof is damaged
Your roofer can help you argue for a full replacement if it’s justified by one of these factors.
8. Complete the Work and Submit Final Documents
Once your claim is approved:
- Choose a licensed, insured roofer to complete the work (you’re not required to use the insurer’s preferred vendor)
- If your mortgage company is on the check, they may release funds in stages
- Submit proof of completion to your insurer for any final payment due under RCV policies
What If Your Claim Gets Denied?
Don’t panic – denials can often be appealed.
Steps you can take:
- Request the denial in writing and understand the stated reason
- Review your policy to see if the denial lines up with your coverage
- Submit additional documentation if something was missed
- Ask for a second inspection or escalate the claim
- Consider hiring a public adjuster or consulting an insurance attorney if needed
Avoid These Common Mistakes
- Waiting too long to file
- Failing to maintain your roof (insurers can deny claims due to neglect)
- Not keeping good documentation
- Assuming the first estimate is final
- Skipping professional help when it’s clearly needed
Frequently Asked Questions
Will my homeowner’s insurance cover a roof replacement if I live in a high-risk storm area?
It depends on your specific policy. Some insurers offer special wind or hail deductibles or exclude coverage entirely in high-risk zones. Always check for policy riders or limitations based on location.
Can I upgrade my roofing material during the replacement process?
Yes, but your insurer will typically only cover the cost of replacing with similar materials. Any upgrades (like switching from asphalt to metal) would be an out-of-pocket expense.
Does filing a roof claim always raise my premiums?
Not necessarily. Insurers often raise premiums based on broader regional risk, not individual claims. However, multiple claims in a short time may trigger increases or non-renewal.
Can I file a claim for partial damage to my roof, or does it have to be a full loss?
You can file for partial damage. If the damage impacts your roof’s performance or violates local building codes, it may still qualify for a full replacement depending on your policy.
Conclusion
Insurance can cover your roof replacement, but only if you approach the process the right way.
That means understanding what your policy includes, documenting every detail of the damage, and looping in a roofer who knows how to speak the insurance company’s language.
Timing matters. So does proof. And so does having someone on your side who’s done this before.
From the first phone call to the last nailed-down shingle, we’ll help you take the guesswork out of it. Book a free appointment if you need a thorough roof inspection, help building a strong claim, or just want to know what your options really are.