Roof Replacement Process When Filing an Insurance Claim: What to Know

A roof replacement can be a daunting and costly project, especially when prompted by unexpected damage. If you’ve experienced roof damage due to storms, hail, wind, or other incidents, understanding the insurance claim process is vital to ensure you receive the coverage you’re entitled to and that the replacement process goes smoothly. Here’s a comprehensive guide to help you navigate the roof replacement process when filing an insurance claim.

1. Assess the Damage

The first step after noticing potential roof damage is to conduct a thorough assessment. Look for obvious signs such as missing shingles, leaks inside your home, water stains on ceilings, or visible damage from the ground. It’s advisable to hire a professional roofing contractor for a detailed assessment. An expert can evaluate the extent of the damage, document it accurately, and determine whether a roof replacement is necessary.

2. Contact Your Insurance Company

Once you’ve confirmed the damage, contact your insurance provider right away. Most policies require timely reporting of claims, so don’t wait. Provide your insurer with as much detail as possible about the damage. They’ll want to know dates, the cause (if you know it), and any relevant circumstances. Be prepared to answer questions and share photos of the damage. These steps can expedite the process. Your insurer will typically assign a claims adjuster to evaluate your case. A reputable roofer can assist you throughout the process.

3. Document Everything

Good documentation is crucial when filing an insurance claim. Take clear, detailed photos and videos of the damage from multiple angles. Gather any relevant records, such as previous inspection reports, maintenance history, and estimates from roofing contractors. Keep copies of all communication with your insurer, including emails, claim numbers, and notes from phone conversations.

4. Schedule a Claims Adjuster Inspection

An insurance adjuster will visit your property to assess the damage firsthand. During the inspection, they will evaluate the severity of the damage, estimate the repair or replacement costs, and determine the coverage amount. To prepare, ensure that the damaged areas are accessible and clear of obstructions. It’s also helpful to be present during the inspection to point out specific issues and answer any questions.

5. Review the Settlement Offer

After the inspection, your insurance company will send a settlement offer outlining coverage details and the amount they’re willing to pay. Carefully review this proposal. It’s important to understand what’s covered—including materials, labor, and debris removal—and what might be excluded or subject to depreciation. If you believe the offer is insufficient, you have the right to negotiate or provide additional evidence supporting a higher valuation.

6. Choose a Reputable Roofing Contractor

With the insurance claim process underway, select a licensed, experienced roofing contractor for the replacement. Many insurance companies prefer using contractors who are familiar with insurance procedures. A professional contractor will prepare a detailed estimate, coordinate repairs, and ensure the work meets local building codes. It’s wise to get multiple quotes and verify references before making your choice.

7. Understand Your Policy Coverage and Out-of-Pocket Costs

Your insurance policy may have deductibles, depreciation clauses, and coverage limits. The deductible is the amount you’re responsible for before insurance pays. Depreciation factors influence the payout based on the age of the roof and the materials used. Be clear about these elements to avoid surprises. Sometimes, additional costs—such as upgrades or code compliance—aren’t fully covered, so plan your budget accordingly.

8. Finalize the Payments and Complete the Repair

Once your contractor completes the roof replacement, your insurance company will typically issue payment based on the claim settlement. Payments may be made directly to you or your contractor, depending on the arrangement. It’s essential to verify that the work was done satisfactorily before releasing the final payment. Keep all receipts, warranty documents, and paperwork for future reference.

9. Follow Up and Keep Records

After the project concludes, maintain detailed records of all communications, invoices, and warranties. If issues arise later related to the damage or work quality, these documents will be valuable. Additionally, consider scheduling regular roof inspections to catch potential problems early and extend your roof’s lifespan.

Do You Have Roof Damage in the Kankakee or Gilman, IL Areas?

If you own a building in Gilman, Manteno, Bourbonnais, or Kankakee, IL, and have roof damage due to a recent storm, contact us at M&B Roofing. We’re here to assist you with your insurance claim. Our experienced roofers will work with your insurance company to assess the damage and provide an accurate estimate. Get your free estimate here!