What do I do to file a claim after a storm has damaged my roof?

Filing a roof insurance claim can be scary and confusing. This article is here to provide you with the information to make this process easier and less stressful.

Filing a roof insurance claim involves several steps. Here’s a general process to guide you:

1. Review Your Policy

• Understand Coverage: Check your insurance policy to see what is covered, including types of damage (e.g., storm, fire) and any deductibles.

2. Document the Damage

• Take Photos: Capture clear images of the damage from multiple angles.
• Make Notes: Write down details about the damage, including when it occurred and any contributing factors.

3. Contact Your Insurance Company

• Report the Damage: Call your insurer to report the damage and initiate the claim process. Be prepared to provide details about the incident and damage.

4. Schedule an Inspection

• Adjuster Visit: Your insurance company will likely send an adjuster to inspect the damage. This step may involve scheduling a time for them to visit your property.

5. Meet with the Adjuster

• Discuss Findings: During the inspection, walk the adjuster through the damage and provide any documentation you have collected.
• Ask Questions: Clarify any uncertainties about the claims process or what is covered.

6. Receive the Adjuster's Report

• Review the Report: After the inspection, the adjuster will prepare a report outlining their findings and the estimated cost for repairs.

7. Claim Decision

• Insurance Payout: The insurance company will review the adjuster’s report and make a decision regarding your claim. They will inform you of the amount they will cover, minus your deductible.

8. Choose a Contractor

• Get Estimates: Once you have the claim amount, contact roofing contractors to get estimates for the repair or replacement.
• Select a Contractor: Choose a reputable contractor to complete the work, ensuring they understand the insurance process.

9. Complete the Repairs

• Work with Your Contractor: Coordinate with your contractor to schedule the repairs, keeping your insurance company informed as needed.

10. Submit Final Documentation

• Final Invoice: After repairs are complete, submit the final invoice and any necessary documentation to your insurance company for reimbursement.

11. Follow Up

• Check Payment Status: Ensure you follow up with your insurer to confirm that your claim is processed and payments are made.