Navigating an insurance claim for roof replacement can feel overwhelming. Here's a straightforward guide to help you understand the process.
Coverage depends on the policy, cause of loss, exclusions, deductible, and the carrier's review. We can document roof damage and coordinate with the homeowner and adjuster, but the insurance carrier decides coverage, scope, and payment. When applicable, we can document visible storm damage, provide photos and measurements, and coordinate with the adjuster. The homeowner files the claim, and the insurance carrier makes all coverage decisions.
They typically do not cover damage from normal wear and tear or neglect.
The Claims Process
- . Get a Professional Inspection — Before filing a claim, have a qualified roofing contractor inspect your roof. Mr. Roofer provides free storm damage inspections and can document the damage thoroughly.
2. File Your Claim — Contact your insurance company to start the claims process. Provide them with the inspection report and any photos or videos you've taken.
3. Insurance Adjuster Visit — Your insurance company will send an adjuster to assess the damage. Having your roofing contractor present during this visit can be helpful — this is standard practice at Mr. Roofer.
4. Review the Estimate — The adjuster will provide an estimate. Your contractor can review this with you to make sure all damage is accounted for.
5. Approval and Replacement — Once approved, your roofing contractor schedules the replacement. Mr. Roofer handles the entire process from tear-off to final cleanup. Learn more about how long the replacement process takes.
What About Your Deductible?
You are responsible for paying your deductible. A reputable contractor will never offer to waive or cover your deductible — that's actually against the law in most states. If the remaining cost is a concern, Mr. Roofer offers financing options through GoodLeap to help cover the difference.
Why Choose Mr. Roofer for Insurance Claims?
We have years of experience working with insurance companies across the region. We provide detailed documentation, meet with adjusters, and make sure you get the replacement your home needs. Warranty coverage depends on the project scope and selected product. Any workmanship and manufacturer coverage will be listed in the written proposal and warranty documents.
Contact us for a free inspection and let us help you navigate the process. We serve homeowners in Ashland, Cross Lanes, and 70 listed communities across the tri-state area.
Industry Statistics and Sources
Pricing depends on roof size, pitch, materials, tear-off layers, decking repairs, and access. We inspect the property and provide a written, itemized estimate; newly discovered work is discussed before proceeding. - Most homeowner policies require claims to be filed within 1 to 2 years of the damage occurring, depending on the state (National Association of Insurance Commissioners)
About the Author
Jon Robinson — Owner & Master Roofer
Jon is the founder of Mr. Roofer. He holds degrees from Marshall University and West Virginia University, is a U.S. military veteran, and has spent over a decade installing roofs across the Tri-State. He personally inspects projects across Lawrence County, Scioto County, and Kanawha County.
Read more about Jon