How a roof insurance claim works, step by step
Knowing the sequence ahead of time is what keeps you from leaving money on the table. Here's the path most claims follow.
1. Document the damage
Photograph and record everything you can safely see, along with the date of the storm. Good documentation is the backbone of a strong claim.
2. Get an inspection first
Have a roofer inspect the damage before you call your insurer. Knowing what you're actually dealing with helps you file accurately and set expectations.
3. File the claim
Contact your insurer to open the claim, providing your documentation and the details of the damage.
4. The adjuster inspection
Your insurer sends an adjuster to assess the roof. This inspection largely determines what — and how much — gets covered.
5. The payout
Understand how your payout is structured, including your deductible, so the final numbers don't surprise you.
6. If your claim is denied
A denial isn't necessarily the end of the road. You may be able to request a re-inspection or dispute the decision.
Important
Every policy is different. Your coverage, deductible, and filing deadlines depend on your specific plan — always confirm the details with your own insurer.