Filing a Roof Insurance Claim? Find a Roofer Who Knows Storm Damage

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How a roof insurance claim works

Every insurer runs its own process, but most storm-damage roof claims follow the same basic steps.

1. 1. Document the damage

   Photograph the roof, gutters, siding and any interior leaks, and note the date of the storm.

2. 2. Report the claim promptly

   Most policies require prompt notice of a loss. Write down your claim number.

3. 3. Meet the adjuster

   Many homeowners have their roofer attend the adjuster’s inspection so storm damage is not missed.

4. 4. Review the estimate

   Compare the adjuster’s scope with your roofer’s findings. Missed items can be submitted as a supplement with photos.

5. 5. Repair and final payment

   On replacement-cost policies, held-back depreciation is typically released after the work is finished. Your deductible is your responsibility.

Read the full roof insurance claim guide →

Frequently Asked Questions