If you’ve recently suffered roof damage due to a severe storm, you may feel overwhelmed and unsure where to turn. Filing an insurance claim can be daunting and time-consuming, especially if you’ve never done it. 

And when that claim is for roof damage. A roof replacement is a significant investment, and you want to be sure that your insurance will cover as much of the cost as possible. With that in mind, here are three essential tips to help you through the process.

What Damage Is Covered by Homeowner’s Insurance?

Generally, most homeowners’ insurance policies cover damage to your roof caused by severe weather, such as high winds, hail, or lightning. However, it’s important to check your specific policy to be sure, as there can be some variations from one insurer to the next. Additionally, most policies have a deductible that must be met before coverage kicks in, so be sure to factor that into your calculations.

What Damage Is Not Covered by Homeowner’s Insurance?

Homeowner’s insurance does not typically cover some types of roof damage, such as wear and tear from age or negligence. For example, your insurance is unlikely to pay for the repairs if your roof springs a leak because of poor maintenance. The same goes for damage caused by vermin or insects.

Steps To Filing An Insurance Claim

Document The Damage.

That means taking pictures or videos of the damaged area and any broken or missing shingles. If possible, try to get a close-up shot that shows the individual shingles and a wider shot that shows the entire damaged area. This documentation will be essential when you file your claim.

Get A Roof Inspection.

It’s important to have a professional assess the damage to your roof and provide an estimate for repairs or replacement. Be sure to hire a reputable and experienced roofing company for this inspection; otherwise, you risk getting an inaccurate estimate.


Understand Your Insurance Policy

Before you file a claim, take some time to review your homeowners’ insurance policy. That will help you understand what is and is not covered by your insurance. It will also give you an idea of how much money you can expect to receive from your insurance company.

Following these three tips can make the insurance claim process much smoother and less stressful. With a little preparation, you can maximize the money you receive from your insurance company to help offset the cost of roof repairs or replacement. 

Roofers Elite Inc. Your Roofing Experts

When it comes to residential roofing services, you want to be sure that you’re working with the best of the best. And that’s exactly what you’ll get with Roofers Elite. We are a team of experienced and certified roofing professionals dedicated to providing our clients with the highest quality roofing services

Whether you need maintenance, replacement, or installation, we’ll be there to get the job done right. Contact us today to schedule a free consultation. We look forward to working with you!