When a storm damages your roof, navigating the insurance claim process can feel overwhelming. At Holthaus Roofing, we’re here to help you understand what to expect and how to make sure your roof damage insurance claim is handled smoothly.
Here’s a guide to filing a roof insurance claim and what to do if your claim is denied.
Understanding Roof Insurance Claims
Most homeowners insurance policies cover roof damage caused by unexpected events, like hailstorms, windstorms, or fallen trees. However, not every policy is the same. It’s important to review your coverage details to understand:
- What types of damage are covered
- Your deductible amount
- Any exclusions (such as cosmetic damage or older roofs)
For more information on what a standard homeowners insurance policy may cover, visit Insurance Information Institute – Homeowners Insurance Overview.
Some policies offer full replacement value, while others only cover the depreciated value of your roof. Knowing these details upfront can save you time and frustration later.
How to File a Roof Damage Insurance Claim
1. Assess the Damage Quickly
After the storm passes, safely inspect your property. Take clear photos of any visible damage from the ground and around your home.
2. Contact a Professional Roofer
Before filing a claim, schedule a roof inspection with a trusted roofing company like Holthaus Roofing. We can document hidden damage, provide a detailed report, and help you understand whether filing a claim makes sense.
3. Notify Your Insurance Company
Contact your insurance company to start the claims process. They’ll typically assign a claims adjuster to inspect your roof and evaluate the damage.
4. Meet with the Adjuster
Have your roofing contractor present during the adjuster’s inspection if possible. We can advocate on your behalf and make sure all damage is properly documented.
5. Get Repair Estimates
Even if your insurance provides a payout, you’ll want to have estimates for repairs or replacement. Holthaus Roofing provides transparent quotes so you can make informed decisions.
6. Complete Repairs Promptly
Once your claim is approved, schedule repairs as soon as possible to prevent further damage. Most insurance companies set a deadline for completing the work after they issue payment.
What Happens if Your Insurance Claim is Denied?
Sometimes, insurance companies deny claims for roof damage. Common reasons for denial include:
- The damage was determined to be from wear and tear, not a covered event
- The roof was found to have pre-existing damage
- There was a delay in reporting the claim
If your claim is denied, here’s what you can do:
- Review the denial letter carefully. Understand the specific reason for the denial.
- Request a second inspection. You have the right to ask for a reinspection, especially if you believe damage was overlooked.
- Consult with a roofing expert. Holthaus Roofing can provide an independent assessment and professional documentation to support your case.
- Consider working with a public adjuster or appealing the decision if necessary.
You can learn more about the appeal process through resources like NAIC – Post Disaster Claims Guide
Partner with Holthaus Roofing for Peace of Mind
Filing an insurance claim for roof damage can be complicated, but you don’t have to go through it alone. Holthaus Roofing is here to guide you every step of the way — from inspection and documentation to repair and restoration.
Need help after storm damage? Contact us today for a professional roof inspection and assistance with your insurance claim!