Spring is here and summer is approaching fast. Roof damage from storms or fallen trees can be highly stressful for building owners. Ensuring your building’s safety for occupants becomes a priority. Additionally, you must navigate a complex insurance claim process involving adjusters, contractors, and your insurance company.

Your property insurance might cover specific types of roof damage, but it’s not always guaranteed. Here are some tips on getting insurance to pay for roof replacement and what to expect during the process. Start by documenting the damage thoroughly with photos and detailed descriptions. Contact your insurance company promptly to report the damage. Schedule an inspection with an insurance adjuster to assess the extent of the damage. Obtain multiple repair estimates from reputable contractors. Be prepared to negotiate with your insurance company to ensure fair compensation. Understanding the process and being proactive can increase your chances of a successful claim.

Hand holding insurance claim form, damaged roof

A Roof Damage Insurance Claim: What Is It?

Investopedia defines an insurance claim as a formal request by a policyholder for compensation for a covered loss. The insurance company then either validates or denies the claim. Upon approval, the insurance company issues payment to you or an authorized party on your behalf. This process ensures that covered losses are compensated according to your policy terms.

In most states, there are two types of roof insurance coverage: replacement or repair. Replacement coverage fully restores your roof to brand-new condition. Repair coverage factors in the roof’s depreciation, offering a percentage of the replacement cost. This percentage depends on your roof’s age and can be as low as 15% if your roof is near its end of life.

A paid insurance claim compensates a policyholder for financial loss. In an insurance arrangement, one party agrees to cover potential losses or damages. For property insurance, the number of claims filed directly affects coverage rates. More claims often lead to higher rates and, sometimes, denied coverage. Therefore, persistence is not the best approach to get insurance to pay for a roof replacement.

Damaged roof close-up, insurance claim issues

Common Reasons For Denying A Roofing Insurance Claim

A key step in getting insurance to pay for roof replacement is understanding why many claims get denied initially. Familiarize yourself with common reasons for claim rejections to avoid pitfalls. Insurers often deny claims due to insufficient evidence or lack of maintenance. Ensure you document all damage thoroughly and maintain your roof regularly. This preparation increases your chances of a successful insurance claim for roof replacement.

Roof damage can be a costly issue for building owners, especially if a full roof replacement is needed. Insurance companies are often strict about the roof damage claims they accept. However, when an insurance company denies your claim, it’s not always the adjuster’s fault. There are several common reasons why your roof claim may be denied.

Maintenance Issues

Neglecting routine roof maintenance signals to your claims adjuster that you could have prevented the damage but didn’t. Proper maintenance involves several tasks. First, regularly clear your roof of leaves and debris. Second, trim any tree branches that hang over your roof. Third, arrange for a professional inspection twice a year. Additionally, scheduling professional preventive maintenance is essential to keep your roof in top condition.


If your roof is relatively new, it might still be under warranty, leading your insurance company to deny coverage. Utilizing an existing warranty is more advantageous than filing a claim. By doing so, you can avoid paying the insurance deductible, saving you money and hassle.

Excluded Losses

Your insurance policy may not cover all events that damage a roof. Some insurance companies exclude damage from extreme weather events like earthquakes, hailstorms, and volcanoes. Water damage and mold are also often excluded. It’s essential to read your policy thoroughly to understand what it covers before filing a claim.

Roof’s Age

The age of your roof often influences whether you have insurance coverage. Some policies exclude roofs older than a specified number of years. Check your insurance policy to understand if your roof’s age affects your coverage eligibility. This can help you plan for any necessary repairs or replacements.

Poor Workmanship

Poor workmanship during the initial roof installation can lead to denied insurance claims. Always pre-screen your roofing contractor carefully. Ensure the company and its workers are fully qualified to install your roof correctly. Taking these steps helps protect your investment and avoid future claim issues.


When hailstones damage asphalt shingles, they displace the granule surfacing and asphalt, exposing the reinforcing mat. This exposure can significantly affect the roof system’s service life. Metal roofs, however, react differently to hail damage. Dents in metal shingles or panels are primarily aesthetic and do not impact the roof’s service life. Most insurance policies, unfortunately, do not cover aesthetic issues, focusing only on functional damage.

Person filing roofing insurance claim at desk

Four Easy Steps To File A Roofing Insurance Claim

Before filing an insurance claim for roof damage, verify that your policy covers this expense. Evaluate if filing a claim is beneficial. For instance, if your deductible is $2,000 and the repair costs $1,600, it’s not worth it. A claim might remain on your insurance record for three years. Even with a $2,500 repair, it may still not be worthwhile. Multiple claims on your record can make you appear risky to insurance companies.

Additionally, to support your insurance claim, ensure you have documentation to provide:

  • Your roof was installed by a trusted roofing contractor.
  • You have consistently carried out maintenance and repairs.
  • Your roof is no longer covered by the warranty.
  • Your roof is within the coverage limits based on its age.

Record And Update Regularly

If your roof has been damaged by severe weather or another major event, it’s crucial to act swiftly. Documenting the damage promptly is key to ensuring your insurance covers roof replacement costs. Capture detailed photos and videos from various angles, noting timestamps. Pre-damage documentation is wise, enhancing your claim with thorough evidence. The more comprehensive your documentation, the smoother and faster your insurance claim process will be. Capture images during key instances such as:

  • New Property: When acquiring new property, capture photos and videos to record the initial condition of your roof. These visuals will serve as a valuable reference point for monitoring any changes over time.
  • Maintenance: When acquiring new property, it’s crucial to take photos and videos to record your roof’s condition. These visuals serve as a baseline for future comparisons of any changes in its appearance over time.
  • Regular Intervals: Capture regular images of your roof to track its evolution over time. These visuals serve as valuable documentation for monitoring changes in your roof’s condition.

Identify The Right Roofing Contractor

Partnering with a trusted roofing contractor is crucial when dealing with insurance claims. Beware of storm chasers who approach homeowners right after storms, claiming roof damage. They often propose low-cost solutions but are unreliable in completing projects, risking further storm-related issues. While affordability is appealing, overly enticing offers should prompt caution.

Partnering with a seasoned commercial roofing firm is crucial for proactive maintenance and damage assessment. Their expertise allows them to pinpoint vulnerable areas on your roof and meticulously record any damage. Moreover, they provide valuable insights into repair or replacement costs. It’s also essential that your contractor documents the undamaged sections to validate the roof’s integrity and installation quality. This thorough documentation ensures transparency and peace of mind for your roofing investment.

In many states, it’s illegal for your roofing contractor to handle or negotiate insurance claims. State regulations typically mandate that only licensed public adjusters or attorneys can adjust claims, ensuring compliance with legal standards and protecting consumer rights. It’s crucial to be aware of these laws to navigate the claims process effectively and avoid potential legal issues down the line.

Hire Experts For Background Checks

Ensure your chosen roofing company is licensed and insured by checking with your state’s consumer protection agency. Verify their affiliation with local, state, or national roofing associations, such as the National Roofing Contractors Association.

If your property’s roof has suffered significant damage, consider consulting a public adjuster before reaching out to your insurance provider. Public adjusters are independent professionals who specialize in assessing claim values. When you file your insurance claim, your insurer will dispatch their adjuster to evaluate the damage and determine repair coverage. Consulting a public adjuster beforehand can better prepare you for the insurance adjuster’s assessment, aligning expectations for roof repairs and facilitating a smoother claims process. It’s a proactive step towards understanding how to navigate insurance for a new roof.

Submit Your Insurance Claim Promptly

In many states, it’s crucial to file your claim within 30 to 60 days of the roof damage incident. If you don’t, you can be denied. Insurance companies prioritize early submissions during high claim periods, expediting processing times. An adjuster appointed by your insurer will visit your property to evaluate the damage and coverage eligibility.

If your roofing contractor’s estimate exceeds your insurance payout, the adjuster may have overlooked some details. Collaborate with a public adjuster to correct the insurance estimate. Facing a claim denial? A public adjuster can support your appeal and fight for your rights effectively.

insurance policy with pen and glasses

The Bottom Line (And Beyond)

Roof managers should be aware that roofing insurance claims are among the costliest for buildings. Dealing with insurance companies may seem daunting, but it doesn’t have to be. To navigate roof damage claims successfully, follow these steps: a) Regularly maintain your roof, b) Document its condition regularly, and c) Partner with a reputable roofing contractor. Establishing trust with a reliable professional ensures a seamless roofing insurance claim process.

Prepare Now For Future Insurance Claims

Filing a roof insurance claim often serves as a wake-up call for property owners. To prepare better, consider these steps:

Regularly Scheduled Roof Inspections

Consistently maintain and repair your roof. Request your inspector to photograph and evaluate its condition regularly. A documented pre-storm assessment strengthens your insurance claim.

Before And After A Major Storm, Document Your Roof’s Condition

Before a significant weather event, have your roofing contractor inspect and document your roof’s condition. If time is limited, take photos yourself. For effective roof insurance claims, before-and-after photos are crucial evidence.

By following these tips on securing insurance coverage for roof replacement, you can ensure a smoother and more favorable claims process.


Spring is here and summer is fast approaching, bringing the risk of roof damage from storms or fallen trees. Securing your building’s safety becomes paramount for occupant well-being. Dealing with insurance claims involving adjusters, contractors, and your insurer can be complex.

Your property insurance may cover specific roof damages, but coverage isn’t guaranteed. Here are some tips to help you navigate the process effectively: Start by documenting damage with photos and detailed descriptions. Promptly report the damage to your insurance company. Schedule an inspection with an adjuster to assess the damage extent. Obtain repair estimates from reputable contractors. Be prepared to negotiate for fair compensation with your insurer.

Understanding these steps and being proactive can significantly increase your chances of a successful roof replacement insurance claim.


  • How can I find out if my insurance will cover damage to my roof?
    Most homeowner’s insurance policies cover roof damage caused by specific perils like storms, fallen trees, or vandalism. However, coverage can vary based on your policy terms and the cause of the damage. Review your policy or contact your insurance agent to understand what types of roof damage are covered.
  • What actions should I take right away if I find damage to my roof?
    Document the damage thoroughly with photos and notes. Prevent further damage by temporarily covering exposed areas if safe to do so. Contact your insurance company promptly to report the damage and start the claims process. They will guide you on the next steps, including scheduling an inspection.
  • How can I prepare for the insurance adjuster’s inspection?
    Prepare by gathering all relevant documentation, including your insurance policy, photos of the damage, and any repair estimates from contractors. Be present during the inspection to point out specific areas of concern and provide access to the damaged roof.
  • What should I do if my insurance claim is initially denied?
    Examine the refusal letter thoroughly to determine the basis for the denial. It could be due to insufficient documentation, policy exclusions, or maintenance issues. Address any deficiencies by providing additional evidence or appealing the decision with more comprehensive information.
  • How can I ensure fair compensation for my roof replacement?
    Obtain multiple repair estimates from licensed contractors to establish the cost of replacement or repairs. Negotiate with your insurance company using these estimates as evidence of the necessary work. Consider consulting with a public adjuster if you encounter difficulties in reaching a fair settlement.