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Filing a Homeowner’s Insurance Claim for Roof Damage

June 7, 2022
Insurance Claims , Residential Roofs , Storm Damage
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Filing a homeowner’s insurance claim for roof damage can be an overwhelming process for the homeowner who has recent storm damage. Many homeowners question whether the roof damage caused by the storm is severe enough to file an insurance claim. This process can be broken down in these 6 steps: 

  1. Call a roofer to inspect your roof
  2. File a claim with your homeowner’s insurance
  3. Schedule a meeting with your insurance adjuster 
  4. If approved, construction process will begin with your preferred roofer
  5. Your roofer will send a Certificate of Completion to let your insurance company know the scope of work has been finished and all funds should be released
  6. Enjoy your new roof and labor warranty!

Get a Thorough Roof Inspection

A thorough inspection of the damage to your roof is key before filing a homeowner’s insurance claim for roof damage. An experienced roofer can take photographs and discuss the severity of damage to your roof, as well as locate the most recent storm date to see if you qualify for a claim. The roofer can act as a liaison between you, your insurance agent, and the adjuster on your claim, which simplifies the process for the homeowner. It is important to choose a roofing contractor that is qualified, trustworthy, and that offers a labor warranty. Our article on How to Choose Roofers in Bossier City breaks down pertinent steps to choosing a reliable roofing contractor in your area. 

Filing the Homeowner’s Insurance Claim

If the roofer believes that there is enough storm damage to warrant filing a homeowner’s insurance claim for roof damage, he/she will guide you through the process of filing a claim with your insurance provider. Insurance claims can be placed into categories of type of damage (hail/wind/storm) so it is very helpful to have a professional to guide you through the process. Type of damage can create differentiating deductibles (i.e. hurricane damage can be a higher deductible than hail damage on some policies). The roofer can guide you to file your insurance claim in the right category and work with your agent to help you.

Scheduling your Adjuster Meeting

After filing a homeowner’s insurance claim for roof damage, an adjuster will contact you to schedule a time to examine the damage to your property. It is important that you provide the roofer with the scheduled time so that he/she can be there to discuss the findings from the roof inspection with your adjuster. Your adjuster will either approve or deny your claim based upon the findings.

What happens after my adjuster meeting?

If the insurance claim is approved, the adjuster will send in the necessary documents to your insurance provider and the insurance provider will release the first check (most of the time around ½ of the total approved amount). It is common that the insurance adjuster will bundle the roof scope with other trades approved. The roofing contract will be the cost of the scope of the roof on your insurance paperwork (homeowner is responsible for deductible payment). Any additional costs for unforeseen work within the scope will be supplemented to your insurance provider (double tear off of shingles, price increases on materials from the time your roof was approved to the date of the build, etc.). The adjuster will either approve or deny the supplements. If approved, the supplement money will be bundled with the final payment or you will receive a later payment.

The construction process typically takes 1-3 days on residential roofs depending on the size, pitch, and scope of the work needed. Your roofer will be able to notify you of the time frame on your specific roof.

After Construction

Following the construction process, your roofer can send in photos and the certificate of completion to your insurance company to notify them that construction is complete. After they have received the Certificate of Completion and any supplements needed from the roofing company to cover any additional unforeseen costs, the insurance company will release the remaining funds.

Choosing a Roofer in Shreveport/Bossier

At Priority Roofing LLC we provide homeowners with a 5-year labor warranty and work hard for you! We offer free roof inspections to check for damages on your roof. Our roofing crews in Shreveport/Bossier provide residential and commercial roof repair and roof replacement services. You and your home are our priority! Call us today at 318.202.2123 or book an appointment online to have an inspection today! 

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