FAQ - Frequently Asked Questions

In most cases, homeowner’s insurance covers roof replacements if the damage is caused by a covered event, such as hail, wind, or a fallen tree. However, insurance does not cover normal wear and tear or damage caused by neglect.

Your coverage will depend on:
✔ Your policy type – Some policies cover full replacement (RCV), while others only cover the depreciated value (ACV).
✔ The cause of damage – Hail, wind, and storm damage are typically covered, but damage from age or poor maintenance is not.
✔ Your deductible – You’re responsible for paying this amount before insurance covers the rest.

💡 If you’re unsure whether your damage is covered, a professional roof inspection can help determine if you should file a claim.

1️⃣ Get a professional roof inspection – A roofer will assess the damage and document it with photos.
2️⃣ File a claim with your insurance company – Call your provider and report the damage. A good roofing contractor will file the claim with you to make sure insurance documents all of your claim details properly.
3️⃣ Meet with the insurance adjuster – Your insurance company will send an adjuster to inspect the roof. Having your contractor present ensures nothing is missed.
4️⃣ Review the insurance estimate – Your provider will issue a claim summary detailing what they will cover.
5️⃣ Schedule your roof replacement – Once your claim is approved, you can move forward with repairs.

💡 A roofing contractor experienced in insurance claims can guide you through the process to ensure you get the full coverage you’re entitled to.

The timeline for an insurance claim varies, but most homeowners can expect the process to take 2 to 6 weeks from the initial inspection to the final payment. Here’s a breakdown of what to expect:

✔ Claim Filing (1-3 Days): Once you report the damage, your insurance company will assign a claim number and schedule an adjuster.
✔ Adjuster Inspection (5-14 Days): The adjuster visits your home, assesses the damage, and creates an estimate.
✔ Claim Approval & Initial Payment (1-3 Weeks): If approved, your insurance company will issue an initial payment based on your policy terms.
✔ Repairs & Final Payment (Varies): Once the work is completed, your contractor submits final invoices, and insurance releases any remaining funds.

⚠️ Delays can happen if additional documentation is required, if your insurance company is backed up (especially after a large storm), or if your claim is initially denied and needs to be reviewed.

💡 Working with a contractor experienced in insurance claims can help speed up the process and ensure all paperwork is handled correctly.

If your claim is denied, don’t panic—you have options:

✔ Request a reinspection – You can ask for a second opinion, especially if your contractor believes there is qualifying damage.

✔ Provide additional documentation – Your contractor can submit more evidence, such as photos, reports, and code requirements.

✔ Get an independent inspection – Some homeowners hire a public adjuster to assess the damage independently.

✔ Challenge a Repair vs. Replacement Decision – Even if insurance approves only a repair, your contractor may be able to overturn it into a full replacement.

• Code requirements – If local building codes require additional repairs or upgrades (such as underlayment, ventilation, or flashing), your contractor can request additional coverage.

• Color matching laws – If the existing shingles are discontinued or a repair would leave a noticeable patch, insurance may be required to cover a full replacement instead.

💡 Denied claims aren’t always final—sometimes, additional documentation, building codes, or state laws can help secure full coverage. Working with an experienced contractor who understands the claims process can make all the difference.

Filing a legitimate storm damage claim won’t automatically cause your insurance company to drop you or raise your rates. However, there are a few things to keep in mind about how insurance companies handle claims and policy renewals.

✔ Can they drop you?
No, your insurance company cannot cancel your policy mid-term just for filing a claim. However, when your policy is up for renewal, they may review your claims history. In most cases, a single claim for storm damage is not a reason for non-renewal, but multiple claims in a short period could be a factor.

✔ Will they raise your rates?
Insurance companies sometimes raise rates after a major storm, but this is typically based on overall risk in your area, not just your individual claim. Even if you don’t file a claim, premiums can still increase due to widespread storm-related damage in your region.

⚠️ Important: Since rates may increase regardless of whether you file a claim, it often makes sense to use your coverage if your roof has legitimate storm damage. Delaying repairs or skipping a claim could lead to bigger expenses later.

💡 The best approach? If your roof is damaged, have a professional inspection and file a claim when necessary—your insurance policy exists to protect you.

Yes. Your deductible is a legally binding part of your insurance contract. It is the portion you must pay out of pocket before your insurance covers the rest.

⚠️ Beware of contractors who claim they can "waive" your deductible—this is considered insurance fraud. Legitimate roofing contractors will never offer to cover or rebate your deductible.

💡 If you’re unsure about your deductible amount, check your insurance policy or ask your agent.