How does a roof insurance claim work?
You report the damage to your insurance company, and the company sends an adjuster to inspect the property. The adjuster writes up an estimate of the covered damage, which is the basis for what the insurance company pays. Once the claim is approved, the repairs or replacement can be scheduled.
Step 1: Report the damage
Contact your insurance company as soon as possible after a storm. Have the date of the storm ready, along with any photos you took of the damage.
Many homeowners schedule a roof inspection before or right after filing, so they know what damage is present.
Step 2: The adjuster inspection
The insurance company sends an adjuster to inspect the roof and the rest of the property. The adjuster records the damage and prepares an estimate, sometimes called a scope of loss.
Storm damage is not limited to the roof. Gutters, window screens, fences, siding and paint can also be damaged and may be included in the claim.
Step 3: The settlement
After the inspection, the insurance company decides what is covered and issues payment according to your policy. You are responsible for your deductible.
If more damage is found once work begins, such as damaged decking under the old roof, a request for additional payment, called a supplement, can be submitted.
If your claim is denied
A denial letter explains the reason for the decision. In some cases a claim can be reviewed again, especially if damage was missed during the first inspection.
Read the letter carefully and talk with your insurance company and your contractor about your options.
Related Questions
Will filing a claim raise my premium?
It depends on your insurance company and your policy. Your insurance agent can tell you how a claim may affect your premium.
Do I have to pay my deductible?
Yes. Your deductible is your responsibility under your policy, and in Texas a contractor cannot waive or cover it.
What if the adjuster misses something?
Additional damage can be submitted to the insurance company as a supplement, usually with photos and documentation.
