Dynamic Remodel and Repair

Dynamic Remodel & Repair

How To Get Roof Repair Insurance Claim Approved With No Hassle

Roof Insurance

Roof repairs can get costly. Here’s the good news—most all-peril home insurance covers roof repair costs. However, insurance typically only covers damage from accidents or natural disasters.

Repair for general wear and tear, leaks, or rotting isn’t often reimbursed as it falls under the homeowner’s maintenance responsibilities.

Getting your roof repair insurance claim approved can be a real battle. There’s a lot to consider when you want to get insurance claims for your roof damage. We’re here to help with our guide to roof repair insurance!

Table of Contents

Roof Damage Covered By Homeowner Insurance

The types of roof repair insurance you can claim depends on the policy and terms in your contract. But in most cases, homeowner insurance covers the following:

Insurance for Partial Roof Damage

Your insurance can reimburse you for an entire roof replacement, even if it’s only partially damaged. That’s because even partial damage can significantly affect your roof’s lifespan.

This is why it’s important to document even the slightest roof damage, as it happens. You can also schedule a roofing inspection to get a professional opinion, which can help you with insurance claims.

Insurance for Matching Issues With Roof Material

If the roof materials needed to repair your roof aren’t available, insurance companies could help you pay for entire roof replacements instead.

Let’s say you have clay shingles, but none are available in your area. You might have to replace your roof to ensure that the materials for repair are compatible.

Other Types of Damage Covered By Insurance

Most insurance companies cover damage from acts of nature such as:

  • Falling debris
  • Fire
  • Hail
  • Ice and snow
  • Lightning damage
  • Strong winds

However, insurance adjusters can deny claims—even if acts of nature cause damages. Let’s say you experienced a thunderstorm that caused shingles to fall off.

Insurance companies can potentially categorize this as “cosmetic damage,” which isn’t likely to be covered by your home insurance.

Roof Damage NOT Covered By Insurance

Issues related to wear and tear, including water damage, aren’t covered by insurance. Most insurance providers would categorize that as “damage due to lack of maintenance.”

Insurance companies also often reject roof repair claims for damages related to floods and earthquakes despite them being acts of nature. You’d have to buy separate insurance for both to be fully covered.

As mentioned earlier, your insurance might not cover cosmetic damage to your roof. These are any damages that don’t compromise your roof’s functions. If there are no punctures or leaks, damage could be categorized as “cosmetic.”

The Roof Repair Insurance Claim Process

Some insurance companies outright deny your claim until you give up. Others approve only a partial portion of what the claim should be. It can be an uphill battle to get your claim approved.

Assess and Document Roof Damage You Can see

Visible damage helps strengthen your roof repair insurance claims. Look for missing, curled, or broken shingles. After a strong storm, you might find shingles scattered across your property.

Hail also causes penetration damage to your roof, not just cosmetic damage. Look for collateral hail damage in your spouts, holes in your window screens, or dings in your garage doors.

Check What Type of Roof Damage is Covered in Your Policy

Most homeowner insurance policies are divided into actual cash value policy (ACV) and replacement cost value (RVC).

ACVs give payouts for the depreciated value of your roof. The claim you can get is more or less equal to the value of your roof when you make a claim, which won’t cover new roof costs.

RCVs give payouts based on the cost of replacing your roof with a new one. But remember, most insurance companies would only pay the cost to restore your roof to a “brand new version.”

If you want to upgrade your roof, use better-quality materials, or build a new design, you must pay the difference out of pocket.

Contact Your Insurance Company

After documenting the damage and checking your insurance policy, start filing a claim for roof damage. The insurance company will send an insurance adjuster to check the status of your roof or ask you to schedule a roofing inspection.

Schedule a Roof Inspection

Both the insurance adjuster and your roofing inspector should perform their examinations. Most adjusters aren’t professional roofers, so it’s best to have a contractor during an adjuster’s inspection.

The adjuster and roofing inspector will mark damaged areas, take photos, and submit a report to the insurance company.

When hiring a roof inspector for insurance claims, choose companies like Dynamic Repair and Remodel. We can guide you through the process and help you whenever insurance adjusters push back.

Get a Quote for the Scope of Work

When your roof repair insurance claim is approved, you’ll get a payout depending on your insurance policy. Afterward, get a quote from the contractor for the scope of work declared in the insurance claim.

This is where you’ll likely get pushback from insurance companies. Often, insurance companies will leave out crucial items that affect the overall price of a roof repair. You’d still need to pay out-of-pocket, even with an RCV policy.

To avoid this issue, you can supplement your insurance claim, which takes time and effort from you and your roofing contractor. Ensure you hire reputable roofing contractors to help fight pushback from insurance companies.

Roof Repair Insurance Red Flags To Stay Away From

You can find dozens of roof contractor scammers preying on homeowners struggling with insurance claims. These scammers give bloated quotes. You pay the deductibles while they profit from the difference.

For example, contractors would tell you they can help you reimburse the cost of new gutters or other out-of-pocket expenses. If contractors make promises that are too good, they probably are.

Common Reasons Insurance Adjusters Deny Roof Repair Claims

An insurance adjuster can deny your roof repair claims for several reasons. Here are five of the most common ones to look out for:

  1. Pre-existing damage or wear and tear.
  2. Incorrect or inadequate insurance coverage policy
  3. Filing insurance claims too late
  4. Incomplete documentation
  5. Poor roofing installation.

What You Should Remember About Roof Repair Insurance

Roof repair insurance can get complex—but it doesn’t have to be. Just be sure you have the proper documentation, reviewed your insurance policy, and are working with reputable contractors who can help you through the process.

If you want to tackle roof repair insurance with peace of mind, work with contractors committed to guiding you through the complexities of filing your claims. That’s where Dynamic Remodel & Repair comes in! Get roof insurance claim assistance today!

Phil DiMarco

Phil DiMarco - Owner​

Phil has worked in all facets of exterior renovations over the past 20 years from Labor and installation to Sales and project management. His knowledge includes Shingles and Flat roofing systems, Vinyl, wood and fiber cement siding. And many popular brands of windows and doors. He will give honest feedback on all of your exterior renovation questions.

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