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How to File a Roof Insurance Claim

Roof Depot's Guide to Filing a Roof Insurance Claim in Georgia

Homeowner Insurance Claims, Roof Insurance Claims

Roofs are one of the most expensive repairs a homeowner can make. Worse, the severe weather here in Georgia can lead to frequent roof damage. Even if your insurance covers roof repairs, navigating the insurance claim process is often stressful, requiring several follow-ups with insurance adjusters, roofing contractors, and potentially even your mortgage company.

To make roof insurance claims more painless and maximize the chance of payment for your claim, we’ve provided some helpful tips and tricks and common mistakes to avoid.

Roof Insurance: Tips for Filing a Claim

To successfully file a roof insurance claim, it’s important to document the damage and contact your insurance provider as soon as possible. You should also select your contractor carefully.

These helpful tips will make the roof insurance claim process more streamlined and increase the likelihood of having your claim approved.

  1. Look for Damage Immediately After a Storm

  2. Take Pictures and Document Any Related Details

  3. Contact Your Insurance Company and Find out What Your Policy Covers

  4. Choose a Reputable Roofing Contractor

  5. Pitfalls to Avoid with Roof Insurance Claims

  6. Improper Maintenance

  7. Conducting Repairs Prior to Contacting Your Insurance Provider

1. Look for Damage Immediately After a Storm

If you suspect that your roof may have been damaged by hail or high winds in a storm, contact a reputable and licensed roofing contractor to inspect your roof. Importantly, even if your roof appears to be intact, there could be internal damage that only a trained roofing contractor can spot.

Roof Depot offers no-obligation quotes. We will send someone to your home to inspect your roof and conduct a thorough digital assessment.

Many roofing contractors will provide insurance claim assistance. This will make your insurance claim process much easier. When selecting a contractor to assess your damages, ask if they provide this service. Roof Depot’s Insurance Claim Process is like no other roofing contractor in the area. It was created with our customers in mind, so nothing slips through the cracks and they can have peace of mind throughout the entire process.

Learn more about our customer-centric approach to our roof insurance claim process.

Some policies have stipulations limiting the time you can wait after incurring damages. After a major storm, you should expect reputable roofing contractors to be very busy, so it's important to contact a contractor as soon as possible for an inspection.

Before inclement weather comes to your neighborhood, have Roof Depot’s number on your emergency phone list. 1-800-MY-ROOFER.

2. Take Pictures and Document Any Related Details

Your roofing contractor will know how to find damage and be able to document the damage thoroughly. Ask that they take pictures of the damaged areas and submit a written explanation of what needs to be repaired and the estimated cost. This will make filing a claim easier.

You should also document any related details. This includes the time and date of the suspected damage and the events that caused the damage. Contrary to popular belief, you do not need to save hailstones in your freezer. However, a few pictures would be helpful.

3. Contact Your Insurance Company and Find out What Your Policy Covers

Your next step should be to contact your insurance company to verify that your policy will cover the necessary repairs. Be sure to contact them as soon as possible, as there’s often a time limit to file claims.

After you have submitted a claim, an insurance adjuster will be sent to independently assess the damage and determine the cost the insurance company will pay out for the repairs.

4. Choose a Reputable Roofing Contractor

If your homeowner’s insurance covers the roofing repairs, you will be issued funds to repair the damage, and can then choose the roofing contractor to complete the repairs or replacement. Make sure you select a reputable contractor who is licensed and insured and be sure to ask for references.

Pitfalls to Avoid with Roof Insurance Claims

In order to ensure that your claim is successfully paid, it is important to avoid a couple of common pitfalls:

  • Improper Maintenance

If the damage to your roof was caused by improper maintenance, or could have been prevented with proper maintenance, your insurance company will reject your claim.

It’s important to perform routine maintenance such as the following:

  • Regular roof inspections by a trained roofing professional

  • Keeping your roof clear of debris

  • Keeping gutters clean

  • Removing any dead trees on your property that could possibly fall on your roof

  • Conducting Repairs Prior to Contacting Your Insurance Provider

Ever heard the saying that it’s better to ask for forgiveness than permission? This does not apply to insurance companies.

If you conduct repairs that for some reason are not covered by your insurance company, you will be stuck with the bill. Moreover, your insurer will likely send an adjuster to evaluate damages prior to approving your claim, which isn’t possible if you’ve already made repairs.

The only exception to this is temporary repairs to prevent further damage. For example, if damage to your roof results in substantial leaks that could also damage your home, you should put a tarp over your roof to prevent water damage.

Roof Depot, office locations in Alpharetta, GA & Roswell, GA to serve North Georgia and beyond. Celebrating 25 years in business, Roof Depot has designed a system through training, certification, and experience that guarantees you the roof you deserve.

We are with our customers every step of the way, from start to finish, with a custom innovative approach to roofing. We offer top-quality workmanship and products, with an honest and dependable Roof Depot Team! Give us a call with any of your roofing needs at 1-800-MY-ROOFER!

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