roof insurance claim

Filing a Roof Insurance Claim in 2022 – Why You Should Contact A Roofing Contractor Before

Thinking About Filing A Roof Insurance Claim?

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When you stop leaks after a big storm hits your neighborhood, your first thought is likely to be contacting your homeowners insurance to file a roof insurance claim.

And to be fair, this is a fairly honest mistake, particularly if you're a first time homeowner and never faced such situations in the past. But in case you did, don't worry, it's not the end of the world.

You are still on time to make it better by requesting assistance of a local roofing company.

Why contact a roofing company before starting a roof insurance claim process?

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Most insurance companies wish to pay the least amount of money possible to compensate the claimants. 


If you file a claim without a roof inspection report from a professional contractor, you are risking not receiving the actual cash value to compensate for the damage or even getting your roofing claim denied altogether.

Conversely, by scheduling a free roof inspection before reaching out to your home insurance, you won't just have your roof thoroughly checked for 
storm damage to help build your case better.


Additionally, the roofer is likely to give you an accurate roofing estimate for repair or replacement costs that you can send to your insurance company.

1. When filing A Roof Insurance Claim You Need Expertise 

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When you file a claim, your insurance company sends a claims adjuster. Their job is to verify your claim and determine a fair amount for settlement.

Insurance adjusters tend to lack experience examining roof damage and pinpointing problem areas in many cases. Therefore, in most cases, they only assess evident signs of damage.


Without a roofer that can help determine the actual extension of the damage, your insurance might approve an amount to cover small repair costs when getting a new roof might be the best course of action.

As a homeowner, you should aim at solving the underlying cause of your roof damage to avoid dealing with the same issue over and over again.


If you let a professional assess the damage on your roof before calling your insurance provider, you will have the correct diagnosis to assess the root problem and avoid further damage.


Furthermore, a professional roofer can present their findings to the insurance adjuster with the exact scope of work. This way, you are likely to get a more accurate settlement from your insurance company.

2. The Roof Insurance Claim Process Requires Documentations

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Filing an insurance claim requires a lot of documentation. Firstly you need photos and videos of the damage. If you have performed any immediate repairs, you’ll need to add the invoices and bills.

You can further support your roof claim with a written explanation of the needed
roof repairs. And finally, you need to present a cost estimate to repair or replace your roof.


Remember this cost will vary depending on your roofing material, the size and height of your roof, the complexity of your roof structure, and the labor costs.

For a homeowner, doing all this on your own can be exhausting. Plus, there’s a high chance you might make a mistake or forget to add a relevant piece of information.


Improper documents will delay getting the claim amount or even lead to getting your claim rejected. Believe it or not, the leading cause of roof insurance claim rejections is due to missing, incomplete, outdated, or incorrect information. 


You can avoid this situation by working with a dependable roofing company.

3. You Ideally Want Someone to Deal with Insurance Company Directly

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As a homeowner, you might already be in distress due to the damage caused to your property. Dealing with the hassle of filing a roof insurance claim can only aggravate the situation.


You’ll have to fill out forms, provide evidence, and then negotiate the settlement. Even then the smallest oversight can lead to a rejection.

A professional roofing contractor can take charge and deal with your insurance company on your behalf. They can represent you when your claim adjuster arrives to examine the damages.


It’ll make it easier for you to navigate your way through the roofing insurance claims process.

4. You Need Proof of Roof Damage

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As previously mentioned, the claim adjuster will always try to lower your payout. They’ll also investigate every possible cause for the reported roof damage.


For example, if you claim that to have some shingles missing due to storm damage, you’ll need to prove to your homeowners insurance that it was indeed the case and not due to your own negligence.

A roofing contractor can help you deal with such situations by collecting the necessary proof for your insurance company.


If you claim to have wind and hail damage but the signs are not so visible, the roofer can verify help provide evidence by pulling weather reports on recent wind and hail activity in your area to support your claim.

5. You Need to be Certain Before Filing a Claim

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Are you 100% sure you should file a roof insurance claim? Because if the cost of damage falls under your deductible, you'll increase your insurance policy premium.

A deductible is an amount that the property owner has to pay toward the cost of an insurance claim. After the deductible is met, the insurance company covers the rest.


For example, your total roof repair cost is $3,000 and your deductible is $1,000. Then you'll have to pay $1,000 and the rest $2,000 will be paid by your insurance company.

And if the repair cost is anything below the deductible, you'll not only have to pay it yourself; your insurance company will still consider it as a claim. This will ultimately increase your policy premium.

When you call a roofer before filing a claim, they'll advise you whether or not you should contact your insurance company.

Always Choose an Expert Roofing Contractor

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If you feel convinced that it is in your best interest to contact a contractor, be aware that not all roofing contractors are the same. It takes an experienced one properly assist you with a roof damage claim.

There are certain things you should be looking for in a roofing contractor. Enquire about their license, years of experience, and reviews to ensure you work with a dependable company to help you with a
roof replacement cost estimate.

Superior One Roofing is a
GAF Master Elite Roofing contractor, a certification attained by less than 3% of roofing companies nation-wide.


This makes us one of the most reliable roofing contractors in Florida to assist you with storm damage and get a new roof paid off by your homeowners insurance.

Get in touch with us to schedule a free roof inspection today and get a roof replacement estimate for shingle, tile, or metal roofing and free assistance with your roof insurance claim.

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Superior One Roofing is a highly Rated Roofing Company with over 40 years in business and thousands of roof replacement projects completed under our belt.

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