Filing roofing insurance claims can feel overwhelming—especially after a storm. Many homeowners are unsure what qualifies for coverage, when to file a claim, or how to avoid mistakes that lead to denials.

This guide explains how roofing insurance claims work, what damage qualifies, and how to protect yourself during the process.

A roofing insurance claim is a request made to your insurance company to cover roof repairs or replacement caused by a covered event such as:

• Wind damage
• Storm damage
• Hail damage
• Hurricane damage
• Falling debris

Insurance typically does not cover wear and tear, poor installation, or lack of maintenance.

The most common qualifying damages include:

• Wind-lifted or creased shingles
• Missing shingles after a storm
• Impact damage from hail or debris
• Damaged flashing, vents, or ridge caps
• Leaks caused by storm-related roof damage

⚠️ Important: You do not need an active roof leak to file a roofing insurance claim. Most claims are approved based on storm or wind damage.

Before filing a claim, have a roofing contractor inspect your roof to confirm damage and document it with photos.

Contact your insurance company and report the damage. You’ll receive a claim number and adjuster assignment.

Your roofing contractor should be present to ensure all damage is properly identified during the adjuster inspection.

Insurance will issue a scope of loss outlining what they will pay. Your roofer can review this for missing items and submit supplements if needed.

Once approved, your roof repair or replacement is scheduled according to local building codes.

Insurance may pay for roof replacement if:

• Damage was caused by a covered peril
• Repairs are not sufficient
• The roof’s functionality is compromised

Payment often includes:

• Actual Cash Value (ACV) upfront
• Recoverable depreciation after completion

Every policy is different, which is why professional guidance matters.

• Filing a claim without a roof inspection
• Waiting too long after storm damage
• Letting the adjuster inspect alone
• Choosing a roofer with no insurance experience
• Paying out of pocket when insurance coverage applies

Avoiding these mistakes can mean the difference between approval and denial.

You should consider filing a claim if:

• Your home was hit by a recent storm
• Shingles are missing, lifted, or creased
• Your roof is aging and showing widespread damage

A free roof inspection can help you decide with no obligation.

A roofing contractor experienced in roofing insurance claims can:

• Properly document damage
• Assist during the adjuster inspection
• Identify missing items in the insurance estimate
• Help ensure fair coverage

This protects homeowners from underpaid or denied claims.

Navigating roofing insurance claims doesn’t have to be stressful. Working with the right roofing contractor can help ensure your claim is handled correctly from inspection to completion.

📞 Schedule a free roof inspection today to find out if your damage qualifies for an insurance-covered roof replacement.