Navigating Roof Insurance Claims
Know when to contact your homeowners insurance company
Roof damage causes that may be covered by insurance
- Weather events like lightning, wind, or hail
- Debris including fallen trees
- And more
What does a homeowners insurance policy cover?
A typical homeowners insurance policy provides coverage for three major types of damages:
- The structure of your house
- Your belongings
- Your personal liability for injury and property damage to others
Best practices for filing a roof insurance claim
Make temporary repairs
Prepare for the adjuster
Five steps to file a claim
What do insurance adjusters look for on roofs?
Supplement an insurance payment to get the roof you want
Credit cards or financing
Watch the Understanding Your Insurance Policy video seriesVideo series
Open Peril vs Named Peril
Lines of coverage
ACV vs Replacement Cost
Frequently Asked Questions
Get a detailed estimate from a manufacturer-certified roofing contractor, and make sure it includes costs for tear-off (if necessary) all materials, labor, clean-up, and disposal.