Claiming Roof on Insurance: Your Complete Guide from a 15-Year Roofing Contractor

My name is Mark, and I've been installing and repairing roofs in Texas for over fifteen years. I've personally supervised more than 2,500 roofing projects. I hold certifications from GAF, CertainTeed, and Owens Corning. This experience gives me a unique view of the insurance claim process. I've seen what works and what causes headaches for homeowners. This article exists because I've watched too many good people struggle with insurance claims after storm damage. They feel confused and overwhelmed by the process. My goal is to give you the clear, practical knowledge I share with my own customers. This information comes directly from handling hundreds of insurance claims with homeowners. I've worked alongside adjusters and studied policy details. I will reference manufacturer specifications, Texas building codes, and insurance industry resources. My methodology is simple: explain the process as if you were my neighbor asking for help. I will save you time and stress with direct answers.

Understanding Your Roof Insurance Coverage

Your homeowner's insurance policy is a contract. It defines what damage is covered and what is excluded. Most policies cover sudden, accidental events like hail or windstorms. They typically do not cover damage from lack of maintenance or normal wear and tear. The two most common coverage types are Replacement Cost Value (RCV) and Actual Cash Value (ACV). An RCV policy pays to replace your roof with materials of similar kind and quality. It does not deduct for depreciation. An ACV policy pays the replacement cost minus depreciation for the age of your roof. This often results in a lower payout. You must check your policy's declarations page to know your coverage type.

What Damage Is Typically Covered?

Insurance generally covers damage from specific perils listed in your policy. These are often called "named perils." Common covered events include hail impact, wind uplift, and damage from falling trees or branches. Damage from lightning strikes or the weight of ice and snow is also usually covered. The key is that the damage must be sudden and direct. For example, a windstorm tearing off shingles is a covered event. Slow, gradual leaking from worn-out shingles is not covered. Always review your specific policy language with your agent.

Common Policy Exclusions You Must Know

Insurance is not a maintenance warranty. Policies exclude damage from neglect, wear and tear, and faulty installation. If your roof fails because it was improperly installed, the claim may be denied. Most policies also exclude damage from floods or earthquakes. These require separate insurance policies. Some policies in coastal areas have separate windstorm or hurricane deductibles. These are often a percentage of your home's insured value, not a flat dollar amount. Understanding exclusions prevents surprise denials later.

The Step-by-Step Insurance Claim Process

Filing a roof insurance claim follows a logical sequence. Doing things in the right order protects your rights and maximizes your settlement. The first step is always to ensure safety. Do not go on a damaged roof yourself. Take photos of the damage from the ground. Document any visible missing shingles, dents on gutters, or granule loss in downspouts. Contact your insurance company to start a claim. They will assign you a claim number and an adjuster. Next, hire a reputable, licensed roofing contractor for a professional inspection. A good roofer can provide a detailed damage report to support your claim. This report is crucial evidence.

Working with the Insurance Adjuster

The insurance adjuster represents the insurance company. Their job is to assess the damage and write an estimate for repairs. It is beneficial to have your roofing contractor present during the adjuster's inspection. The contractor can point out damage the adjuster might miss. They can also discuss current material costs and proper repair techniques. The adjuster will produce a document called a "scope of loss" or estimate. Review this document carefully with your contractor. Ensure it includes all necessary items like tear-off, disposal, underlayment, and flashing. Do not accept a check labeled "full and final settlement" until you are sure the estimate is complete and accurate.

Navigating the Supplement Process

Often, the initial insurance estimate is insufficient. Hidden damage is discovered once the old roof is removed. This is very common. The process to request additional funds is called a "supplement." Your roofing contractor should handle this for you. They will document the additional damage with photos and measurements. They will submit a detailed estimate to the adjuster for review. Common supplement items include damaged decking (plywood or OSB), rotten fascia boards, and inadequate ventilation. A professional roofer knows how to document and justify these costs to the insurance company.

Choosing Materials and Understanding Depreciation

Your insurance settlement should allow you to replace your roof with materials of "like kind and quality." If you had a dimensional asphalt shingle roof, you are entitled to a new dimensional asphalt shingle roof. You can often upgrade materials by paying the difference in cost yourself. For example, you might choose a higher-grade shingle with a longer warranty. Discuss options with your contractor. Consider energy-efficient options like cool roof shingles that may qualify for rebates. Manufacturer websites like GAF, CertainTeed, and Owens Corning provide excellent product information.

How Depreciation Affects Your Payout

If you have an ACV policy, depreciation is a major factor. Depreciation is the loss in value due to the age of your roof. A 15-year-old roof with a 25-year lifespan might be 60% depreciated. The insurance company will pay the replacement cost minus that 60%. You receive the actual cash value upfront. Some policies allow you to recover the depreciated amount, called "recoverable depreciation," after the work is complete. You must submit the final invoice from your roofer to get this second check. With an RCV policy, you typically get the full replacement cost upfront, minus your deductible.

Practical Tips from Hundreds of Projects

Based on my field experience, here is my best advice. First, do not sign any contract with a roofer that gives them the right to your insurance proceeds. This is called an "Assignment of Benefits" (AOB) and can cause problems. You should remain in control of the funds. Second, get everything in writing. This includes the adjuster's scope, your contractor's estimate, and any change orders. Third, be wary of door-to-door storm chasers. They often appear after major hail events. They may use high-pressure tactics and then leave town. Choose a local, established contractor with verifiable references and a physical address.

• Document Everything: Take date-stamped photos before and after the storm if possible.
• Review Your Policy Annually: Know your deductible and coverage limits before disaster strikes.
• Use a Local Contractor: They understand local building codes and have relationships with suppliers.
• Don't Rush the Repair: A proper roof replacement takes time. Do not choose a contractor just because they can start tomorrow.
• Check for Licensing and Insurance: Your roofer must have general liability and worker's compensation insurance.

Frequently Asked Questions (FAQ)

Will filing a roof claim increase my insurance premiums?

Filing a claim may affect your rates, but it is not guaranteed. Insurance companies consider the claim's cause, your claim history, and regional weather patterns. A single hail claim in an area with widespread hail may have less impact than an isolated wind claim. It is best to discuss this directly with your insurance agent. They can explain your company's specific guidelines.

How long do I have to file a claim after storm damage?

Most policies require you to file a claim within one year of the date of loss. However, you should file as soon as possible. Delaying can make it harder to prove the damage was caused by a specific storm. It also gives time for secondary damage like leaks to develop. Contact your insurance company immediately after you suspect damage.

Can my insurance company cancel my policy if I file a claim?

They generally cannot cancel a policy in the middle of its term for filing one claim. However, they may choose not to renew your policy when it expires if you have multiple claims. State laws regulate this practice. It varies by location and insurer. A conversation with your agent can provide clarity for your specific situation.

What if my insurance claim is denied?

First, request a detailed explanation in writing. Understand the specific reason for denial. If you disagree, you can appeal the decision. Provide additional evidence, like a second opinion from a licensed engineer or contractor. You can also file a complaint with your state's department of insurance. They can review the case for unfair claim practices.

Should I get multiple estimates from roofing contractors?

Yes, you should get at least two or three detailed written estimates. This helps you understand the fair market price for the work. However, be cautious of estimates that are drastically lower than others. They may indicate the use of inferior materials, insufficient labor, or a lack of proper insurance. The cheapest option is rarely the best for a long-term investment like your roof.

What is a "code upgrade" and will insurance pay for it?

p>Building codes change over time. Your old roof may not meet current code requirements. Common code upgrades include needing more roof deck fasteners or different flashing details. Most insurance policies include an "ordinance or law" coverage provision. This pays for the extra cost to bring your roof up to current code during repairs. Your contractor and adjuster should identify any necessary code upgrades.

Real Project Case Studies and Outcomes

Case Study 1: The Hail Damage Supplement. A homeowner in Kingwood had a hail claim approved. The initial adjuster's estimate was for a simple shingle replacement. When we tore off the old roof, we found that 40% of the decking was soft and rotten from previous leaks. We documented this with photos and measurements. We submitted a supplement for 25 new sheets of plywood. The insurance company reviewed the evidence and approved an additional $2,800. The homeowner paid only their deductible.

Case Study 2: The Wind vs. Wear and Tear Dispute. A client called after high winds. Several shingles were missing. The insurance adjuster denied the claim, stating the damage was from old age. We provided a report showing the specific wind uplift pattern and granule loss consistent with new impact. We also showed that adjacent homes with similar-aged roofs had claims approved. The homeowner appealed with our evidence. The insurance company reversed its decision and paid the full claim.

Industry Statistics and Data

According to the National Fire Protection Association, wind and hail cause billions in property damage annually. The Insurance Information Institute notes that wind and hail claims are among the most frequent homeowners insurance claims. A study by the National Roofing Contractors Association (NRCA) emphasizes that proper installation is critical for longevity, often more so than the shingle brand itself. Adherence to local building codes, like the International Residential Code (IRC), is non-negotiable for a quality installation.

Conclusion: Your Path Forward

Navigating a roof insurance claim can feel complex. However, with the right knowledge and a trusted professional, it is manageable. Start by understanding your own policy. Document damage thoroughly and file your claim promptly. Partner with a reputable, local roofing contractor who can advocate for you. Remember, you have the right to a proper repair that restores your home's protection. Do not feel pressured to accept a low estimate or a quick fix. Your roof is your home's first line of defense. Investing time in this process ensures a quality result that will last for decades. If you have questions, consult with a licensed roofing professional in your area. They can provide guidance specific to your home and situation.