Your Step-by-Step Guide to Filing a Roofing Insurance Claim

Dealing with storm damage or unexpected roof issues can be stressful, but filing a roofing insurance claim doesn’t have to be. Here’s a simple guide to help you navigate the process and get the coverage you deserve.

1. Assess the Damage

After a storm or other event, inspect your roof for damage. Look for missing shingles, leaks, or visible dents. If it’s safe, take photos or videos as evidence. If the damage isn’t obvious, call a roofing professional for an inspection.

2. Review Your Insurance Policy

Before filing a claim, review your homeowner’s insurance policy. Make sure roof damage is covered and note any deductibles or exclusions.

3. Contact Your Insurance Company

Report the damage to your insurance company as soon as possible. Provide them with details of the event and the damage you’ve observed. Many insurers will assign an adjuster to assess the situation.

4. Schedule an Inspection with a Roofing Contractor

Having a trusted roofing contractor inspect your roof is crucial. They can provide a detailed report and estimate, which can be submitted to your insurance company. At Green Construction, we offer professional inspections and can even assist in communicating with your insurer.

5. Meet with the Insurance Adjuster

When the insurance adjuster visits, have your contractor present if possible. Their expertise ensures nothing is overlooked and helps advocate for you during the inspection.

6. Review the Settlement

Once your claim is processed, your insurance company will provide a settlement offer. Compare this offer with your contractor’s estimate to ensure it covers the necessary repairs.

7. Repair or Replace Your Roof

Once you’ve accepted the settlement, it’s time to start the work. Your contractor will handle repairs or replacement, keeping you informed throughout the process.

8. Keep Records

Save all paperwork, including photos, estimates, and correspondence with your insurance company. These records will be helpful for future reference.

At Green Construction, we’re here to help at every step. From inspections to guiding you through the claims process, we’ve got your back.