How Does Filing An Insurance Claim On Your Roof Work? | Hercules Homes
Updated: Jan 6
The process for filing a roofing insurance claim typically involves the following steps:
Contact a local and respected roofing contractor to come out and evaluate your property. Be careful of storm chasers who just come into town to sell and build roofs. They won't come back if you have any problems with the roof or the warranty and you won't get the same customer service as you would with a local company.
Contact your insurance company to report the damage and request to file a claim. You will need to provide details about the damage and the circumstances under which it occurred.
Meet with an adjuster from the insurance company. This will typically involve them collecting documentation such as photographs of the damage, estimates for repair or replacement costs, and receipts for any emergency repairs you have already made.
Wait for the insurance company to review your claim. This may involve an re-inspection of the damage by a representative of the insurance company.
If your claim is approved, the insurance company will provide you with a settlement offer, which will include a payment to cover the cost of repairs or replacement with an itemized breakdown of what has been covered and the cost associated with it.
If you disagree with the settlement offer, you can negotiate with the insurance company or hire an attorney or public adjuster/appraiser to help you resolve the dispute.
It's important to keep in mind that the specifics of the claims process can vary depending on your insurance policy and the laws in your state. It's always a good idea to review your policy and familiarize yourself with the process for filing a claim before you need to do so.