Written by Nicholas

August 30, 2023

Introduction to Roofing Insurance Claims

Introduction to Roofing Insurance Claims

Understanding roofing insurance claims is critical for property owners. A strong storm, a terrible hail storm, or a devastating fire can cause significant roof damage. Luckily, most homeowners insurance policies cover such disasters, ensuring you can get your roof repaired or replaced. In this article, we’ll delve into the dos and don’ts of commercial roofing insurance claims.

Understanding Roof Damage and Insurance Policies

There are many different kinds of roof damage, and only certain of them are covered by insurance. For instance, damage caused by high winds or a house fire is often covered by insurance, although damage caused by normal wear and use could not be covered by insurance. Your homeowner’s insurance policy may or may not pay for damage restoration services in the event of water damage, smoke damage, or fire damage, depending on the type of the coverage provided by your policy.

Do: Understand Your Insurance Coverage

Before filing roofing insurance claims, make sure you know what your policy covers. Does it include storm damage or fire damage? If your commercial real estate suffers from a hail storm, will insurance cover the roof replacement? Understanding the details of your insurance policies can help prevent unpleasant surprises later.

Don’t: Delay Reporting the Damage

When your commercial properties are affected by adverse weather or a disaster, it’s important to report the damage to your insurance company as soon as possible. Delaying can lead to further complications with your roofing insurance claims, as it may look suspicious to insurance adjusters.

Do: Document the Damage

When making a claim for damages to your roof on your insurance policy, having pictures and a written statement to back up your claim are both required. They serve as proof that cannot be refuted of the extent of the damage and are especially valuable when bargaining with insurance adjusters. Don’t forget to take photographs of all the areas that have been damaged, regardless of whether the damage was caused by smoke, water, or fire.

Don’t: Start Repairs Before Documenting Damage

While it’s tempting to start repairs immediately, it’s essential to first document the damage. Starting work too soon could make it difficult to prove your claim, as the insurance claims adjuster may not see the full extent of the initial damage.

Do: Choose a Reputable Roofing Contractor

Whether you merely need to repair some asphalt shingles or need to replace the entire roof, it is crucial to pick a roofing contractor that has a strong reputation. This is the case regardless of the scope of the work that needs to be done. Having access to a roofing firm that is both skilled and experienced, with the ability to provide accurate estimates and high-caliber work, may make the process of making a claim far less complicated.

Don’t: Accept the First Offer from Your Insurance Company

It is standard procedure for insurance companies to present a settlement offer in a timely way with the goal of resolving any conflicts that may arise. You are, however, not required to take advantage of this introductory offer in any way, shape, or form. It is in your best advantage to have a knowledgeable roofing contractor analyse the settlement before you agree to it. This is because there is a potential that the preliminary estimate would not sufficiently cover all of the costs involved with the damage to the roof. In light of this possibility, it is in your best interest to do so.

Do: Cooperate with the Claims Adjuster

During the claims process, you’ll likely interact with an insurance claims adjuster. It’s important to be patient, cooperative, and provide any additional information they may need. Remember, the adjuster’s job is to verify your claim, so any help you provide can expedite the process.


With the help of these tips, property owners may be able to better manage the process of navigating through roofing insurance claims, which they may have previously found to be daunting. You will be able to efficiently navigate the claims process if you have a strong knowledge of your coverage, meticulously record any damage that has happened, pick the most competent roofing contractor, and interact with your adjuster. If you accomplish all of these things, you will be able to successfully navigate the claims process.

For assistance with insurance claims, consider reaching out to AllCity Adjusting. They have a team of experienced professionals who can guide you through the process, ensuring you get the compensation you deserve. Contact them today at 844.692.3587.

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