PROFESSIONAL HELP FOR ROOF INSURANCE CLAIMS
Insurance claims can be a hassle to handle on your own. At The Way Construction, we can help make the process more of a relief and less of a headache.
INSURANCE CLAIMS FAQs
Filing an insurance claim for roof repairs can feel like trying to navigate a maze during a thunderstorm. Whether it’s hail, wind, or a fallen branch, getting the process right is the difference between a covered repair and an expensive out-of-pocket bill.
Here is a breakdown of the most common questions to help you get started.
THE BASICS
What should I do immediately after the damage occurs?
Safety first! Once the storm passes, document everything.
Take photos/videos of the damage from the ground.
Cover any holes or leaks with a tarp to prevent further interior damage (insurance companies expect you to mitigate losses).
Keep receipts for any emergency repair materials you buy.
When is the "deadline" to file a claim?
This varies by policy and state law, but most insurers require you to file within one year of the date the damage occurred. However, it is always best to file as soon as possible to prevent the damage from worsening, which could lead to a claim denial for “neglect.”
Do I need a contractor or an adjuster first?
While you can call your insurance company first, many homeowners prefer to have a trusted roofing contractor inspect the roof first. A contractor can tell you if the damage actually exceeds your deductible, saving you from filing an unnecessary claim that might stay on your record.
Coverage & Costs
How much will my insurance actually pay?
It depends on your policy type:
Replacement Cost Value (RCV): The insurer pays what it costs to replace the roof at today’s prices (minus your deductible).
Actual Cash Value (ACV): The insurer pays the depreciated value of the roof based on its age. If your 20-year-old roof is destroyed, you’ll only get a fraction of the cost of a new one.
What is a "deductible" and how does it work?
The deductible is your “skin in the game.” If your repair costs $10,000 and your deductible is $1,000, the insurance company sends you a check for $9,000.
Note: It is illegal in many states for a contractor to “waive” your deductible or build it into the estimate. If a contractor offers this, proceed with caution.
Will my premiums go up if I file a claim?
If the damage was caused by an “Act of Nature” (like a hurricane or hailstorm), many states prohibit insurers from raising rates for a single claim. However, if your entire neighborhood files claims, rates for the whole area might increase during the next renewal cycle.
Will my premiums go up if I file a claim?
If the damage was caused by an “Act of Nature” (like a hurricane or hailstorm), many states prohibit insurers from raising rates for a single claim. However, if your entire neighborhood files claims, rates for the whole area might increase during the next renewal cycle.
The Inspection Process
What happens during the adjuster’s visit?
The insurance adjuster will walk the roof to measure the damage and look for specific patterns (like “bruising” on shingles from hail).
Pro Tip: Have your contractor present during the adjuster’s inspection. They can point out damage the adjuster might miss, ensuring you get a fair assessment.
What if the insurance company denies my claim?
Don’t panic. You have rights:
Ask for a breakdown: Understand exactly why it was denied (e.g., “wear and tear” vs. “storm damage”).
Request a second inspection: You can ask for a different adjuster to take a look.
Hire a Public Adjuster: These are independent professionals you pay to advocate for you and negotiate with the insurance company.
FILING STEPS
| Step | Action | Why it matters |
| 1 | Document | Provides proof for the adjuster. |
| 2 | Inspect | Confirms damage exceeds your deductible. |
| 3 | File | Starts the official legal process. |
| 4 | Adjust | Determines the payout amount. |
| 5 | Repair | Restores your home’s integrity. |