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Will My Roof Damage Be Covered by Insurance? Roofing Insurance Claims Guide for Homeowners

  • 4 min read

When dealing with a roofing issue, many homeowners wonder if their insurance company will cover the cost of repairs or a possible replacement. At Exterior Contractor, we have over 20 years of experience helping homeowners navigate the roofing insurance claims process. We have seen a wide variety of situations that homeowners have had to deal with, and we have successfully helped many of our customers by working with their insurance companies.

What kind of roof damage is covered by insurance?

Roofing Insurance Claim due to Hail Damage
Roof Hail Damage
Tree Damage Insurance Claim
Roof Tree Damage
Roof Wind Damage
Roof Wind Damage

Before deciding whether to file a claim, it is first worth determining if the roofing issues present will be covered by your insurance company. Insurance companies usually only provide coverage for damage caused by extreme weather events. If the damage was caused by hail, a falling tree, strong winds, or a fire, then typically your insurance company will pay for these repairs. Other types of accidental damage may also be covered. If there is significant damage to the roof, then they may even approve a complete roof replacement.

However, if the damage was caused by lack of maintenance or poor-quality workmanship, then your claim will most likely be denied. The best way to determine whether weather-related damage is present is to have a qualified and experienced roofing company inspect your roof. A quality roofing contractor can help you assess the damage and provide you with the necessary documentation in the form of photos. Once a claim is filed, most insurance companies will dispatch an adjuster to your property for an inspection. Having a trusted roofing company project manager present during the adjuster’s inspection can ensure that nothing gets overlooked. Once the adjuster’s inspection is complete, your insurance company will decide whether to approve or deny your claim.

What happens once my roofing insurance claim is approved?

If your insurance company determines that your roof has sustained weather- related damage, they will provide you with an estimate that breaks down what is being paid for and how much. The homeowner will receive the first check from their insurance company, which is usually equal to the actual cash value (ACV) of the claim. The actual cash value is equal to the replacement cost value (RCV) minus the deprecation and deductible. The deprecation amount will be held back until after the repairs are completed. At this point, you will need to choose a local roofing contractor who can handle the necessary repair work. At Exterior Contractor, we work with the insurance company’s pricing to facilitate a smooth repair process. As the homeowner, you will only have to pay your deductible out of pocket. After the necessary repairs are completed, your roofing contractor will send a letter of completion to your insurance company, and your insurance company will release the amount that was held back.

Roofing insurance claims can be confusing for many homeowners. An experienced and local roofing contractor can help guide you through the entire process. If you are located in Hendersonville, NC, or the surrounding areas, get in touch with us for a free inspection.

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