How to file an insurance claim for roof damage

Assess the damage

Once you have noticed that you have damage to your roof, it is important to have a professional inspect the roof to assess all of the damage that there is. You can hire a certified inspector to come out and do this for you. They will inspect the structure of the roof and the materials on it for damage, and give a report of the damage they find, as well as a recommendation for repairs or a full replacement.

Open a claim

To report the damage to your insurance company, you will want to file a claim for the damage. If the damage is storm related, they may even cover the whole roof replacement.

FInd a roofing company

Find a reputable roofing company in your area that you trust to repair or replace your roof. A good path to take is finding someone who is licensed and insured to do the work for you. You can also ask your insurance provider if they have any recommendations for companies. This can be helpful in finding a good company to work with.

Once you have found a company, it is good to get an estimate to bring to your adjuster. Some companies may require the loss report to give you an estimate. It all depends on the company you are working with.

Meet with the adjuster

Meet with your adjuster after finding a good company to do the work for you. To prepare for your meeting with your adjuster, you may want to have a few things handy. Photos of damages, the report from your inspection, and a list of any other damaged property an be helpful for your adjuster to have. Get your loss statement from them, and send that to your roofing contractor.

Have the roof repaired

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