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Replacing a roof isn’t cheap; however, if your roof was damaged by a storm, a fallen tree, or another unexpected event, your homeowners insurance may help cover the cost. The catch? Unfortunately, the process isn’t always straightforward.
From filing a claim and coordinating with adjusters to ensuring you receive the full coverage you’re entitled to, navigating insurance can quickly become overwhelming. But don’t worry— we’re here to make it easier. In this guide, we’ll break everything down step by step so you know exactly how insurance-covered roof replacements work and what to expect along the way.
Does Homeowners Insurance Cover Roof Replacement?
The short answer? It depends. In most cases, insurance will cover a roof replacement, but only if the damage results from a sudden, unexpected event like a storm or fire. However, if your roof has simply aged or deteriorated over time, chances are you’ll have to cover the costs yourself.
What Homeowners Insurance Typically Covers
- Storm Damage – High winds, hail, and falling trees can do some serious damage, and most policies cover it.
- Fire and Natural Disasters – When fire, lightning, or another covered disaster wrecks your roof, insurance should step in.
- Accidental Damage – Random accidents (like a tree falling out of nowhere) are usually covered.
Things Homeowners Insurance Doesn’t Cover
- Old Age & Wear and Tear – If your roof is just getting up there in years, insurance won’t help.
- Neglect & Lack of Maintenance – If you haven’t kept up with minor repairs, don’t expect insurance to pay for the consequences.
- Certain Exclusions – Some policies don’t cover hurricanes, earthquakes, or floods unless you have extra coverage.
Taking the time to understand your coverage beforehand can save you a lot of frustration when it comes time to file a claim. If you’re unsure about the details of your policy, it’s best to review it with your insurance agent or consult a knowledgeable roofing contractor to clarify what’s covered and what’s not.
Understanding the Roof Insurance Claim Process
The whole claim process can feel like a hassle, but if you follow the right steps, you can make sure everything goes smoothly. The key? Be prepared and stay organized.
Step 1: Assess the Damage
- Check Your Roof – Look for missing shingles, leaks, or anything that might look off.
- Take Photos & Videos – The more evidence you have, the easier the claim process will be.
- Call a Pro for an Inspection – A roofing contractor knows what to evaluate during an inspection and can confirm the extent of the damage.
Step 2: Review Your Policy
- Check Your Coverage – Make sure the type of damage is actually covered.
- Know Your Deductible – You’ll need to pay this amount before insurance covers the rest.
- Look at Claim Deadlines – Some policies have strict time limits for filing claims.
Step 3: File Your Claim
- Contact Your Insurance Provider – Let them know about the damage and start the process.
- Submit Documentation – Send in your photos, inspection reports, and anything else they ask for.
- Follow Up Regularly – Don’t just sit back and wait—stay on top of your claim.
What to Expect from the Insurance Adjuster Inspection
Once you file your claim, your insurance company will send out an adjuster to check things out. Their job is to assess the damage and decide how much (if anything) they’ll cover.
The Role of the Insurance Adjuster
- Inspect Your Roof – The insurance adjuster will take a look at the damage and take their own photos.
- Compare It to Your Policy – After that, they will check if the damage qualifies for coverage.
- Give You an Estimate – Then, they will send you an estimate that determines how much insurance is willing to pay.
How to Get the Best Results from the Inspection
- Be There During the Inspection – Or better yet, have a roofing contractor there to back you up.
- Have Your Documentation Ready – Show them your photos and contractor reports.
- Ask Questions – If something seems off, SPEAK UP.
What If You Don’t Agree with the Adjuster’s Decision?
- Get a Second Opinion – A roofing contractor can give another assessment.
- Appeal the Decision – Submit additional evidence and ask for a re-evaluation.
- Consider Hiring a Public Adjuster – If your claim is undervalued, a public adjuster can negotiate for you.
Insurance adjusters don’t always get it right. If their estimate seems low, don’t be afraid to push back and fight for a much better payout.
Working with a Roofing Contractor on Your Insurance Claim
A good roofing contractor can make the entire insurance process a whole lot easier. They’ll help with the claim, meet with the adjuster, and make sure you get the payout you deserve.
Why You Need a Roofing Contractor
- Provides an Expert Inspection – They’ll document the damage properly.
- Makes Sure Insurance Pays What’s Fair – Adjusters don’t always catch everything.
- They Handle the Repairs – So you don’t have to stress.
How to Choose the Right Roofing Contractor
Insurance Experience
Contractors experienced in insurance claims can handle paperwork, communicate with adjusters, and help maximize your coverage, making the process smoother.
Check Credentials
Ensure your roofer is licensed, insured, and qualified to protect yourself from liability and guarantee professional workmanship.
Reviews & Referrals
Research online reviews and ask for recommendations to find a trusted contractor with a proven track record.
Not all roofers have experience with insurance claims, so it’s important to do your research before hiring. Knowing the right questions to ask can help you find a contractor who’s reliable, experienced, and the right fit for your project. If you’re not sure where to start, here are 15 essential questions to ask before hiring a roofer.
Avoiding Scams
- Watch Out for Storm Chasers – If a roofer shows up out of nowhere after a storm, be cautious.
- Never Sign Anything Too Fast – Read the fine print before agreeing to anything.
- Make Sure They Offer Warranties – A good roofer stands behind their work.
Choosing the right roofing contractor can make or break your insurance claim. Take the time to find someone who knows what they’re doing.
What Happens After Your Claim is Approved?
Once your claim is approved, it’s time to get the work done. But there are still a few things you need to know about how insurance payouts work.
How Insurance Pays for Your Roof
- Actual Cash Value (ACV) Payout – ACV covers the depreciated value of your roof based on its age and condition at the time of damage.
- Replacement Cost Value (RCV) Payout – RCV covers the full cost of replacing your roof, minus your deductible, ensuring you get a brand-new roof.
- Depreciation Holdback – Some policies withhold a portion of the payout until repairs are completed and proof of work is submitted.
Next Steps
- Pick Your Roofing Materials – Now’s the time to decide on the type of shingles, color, and any potential upgrades for durability or curb appeal.
- Schedule the Replacement – Work with your contractor to plan the job, ensuring materials are ordered and installation is completed on time.
- Handle Your Deductible – Be prepared to cover your portion of the cost, as insurance won’t release payment until your deductible is met.
- Review Your Roofing Warranty – Insurance covers the replacement, but your warranty determines long-term protection. Understanding the three main types of roofing warranties can help you choose the best coverage for your new roof.
What If Your Claim is Denied?
- Ask for a Detailed Explanation – Request a breakdown of why your claim was denied and if any missing documentation can change the decision.
- Gather More Evidence – Photos, inspections, and contractor reports can strengthen your case and provide proof that the damage should be covered.
- File an Appeal – If necessary, work with a public adjuster or roofing contractor to challenge the decision and negotiate for a fair settlement.
As soon as your claim is approved, the process is pretty straightforward. Just make sure you understand your payout and work with a contractor you trust.
Simplify Your Replacement with a Roofing Expert
Dealing with insurance for a roof replacement can feel like a hassle; however, it doesn’t have to be. The key is to thoroughly understand your policy, carefully document everything, and most importantly, work with professionals who know the process inside and out.
That’s where Bartlett Roofing comes in. Not only do we take the stress out of the insurance claim process, but we also guide you every step of the way. Our residential roofers know how to communicate with adjusters, efficiently handle the paperwork, and ultimately ensure you get the coverage you deserve. From the very first inspection to the final installation, we’re here to make your roof replacement as seamless as possible.
