9 Things You Need to Know About the Insurance Process for Roof Damage

If your roof has been damaged by wind, hail, or storm debris, you’re likely wondering what comes next. The insurance process for roof damage can feel overwhelming, especially if it’s your first time filing a roof insurance claim. As someone who’s seen every type of roofing problem under the sun, let me walk you through the key things you need to know to make the process smoother and avoid costly mistakes.

1. What’s the first step after your roof gets damaged?

Start with an inspection. That doesn’t mean calling your insurance company just yet. First, you need a trusted local roofer to inspect the damage. A trained eye can tell the difference between minor wear and real damage that qualifies for a claim.

Here’s what happens during a roof inspection:

• The roofer checks for missing shingles, dents, and signs of leaks.
• They document the damage with clear photos.
• They help you understand whether the damage is from age, weather, or both.

Why it matters:

Insurance only covers sudden or accidental damage, not general wear and tear. Getting a pro involved early helps you avoid wasting time on a claim that might be denied.

2. When should you file a roof insurance claim?

Once a roofer confirms that your damage is likely caused by a covered event (like a hailstorm or wind gusts), it’s time to file a claim with your insurance company.

Tip:

Don’t delay. Most policies have a time limit, often 1 year, for filing after the date of damage. Waiting too long could lead to a denied claim.

3. What does the insurance adjuster do?

After your claim is filed, your insurance company will send out an adjuster. This is the person who will inspect your roof and decide if the claim is approved and how much you’ll get.

Here’s what to expect:

1. The adjuster looks at the same spots your roofer did.
2. They take their photos and notes.
3. Their report will determine how much your insurance pays.

Pro tip:

Have your roofer there when the adjuster comes. Someone like a rep from Pro Craft Home Products knows how to point out damage and make sure nothing is missed.

4. How much will insurance cover for roof damage?

This depends on your policy. Most home insurance plans cover roof damage from storms, hail, and falling trees. However, coverage isn’t unlimited.

Things that affect your payout:

• Your deductible (the amount you pay out of pocket).
• The current age of your roof.
• Your policy’s coverage type: Actual Cash Value (ACV) vs Replacement Cost Value (RCV).

If your policy is ACV, you’ll only get the depreciated value of the roof. With RCV, you get the full cost of replacing the roof, minus your deductible.

5. Will insurance cover a 20-year-old roof?

It depends on the condition of the roof and your specific policy. Many insurance companies reduce coverage as the roof gets older. If your roof is 20 years old or more, you might only receive ACV coverage.

In short:

• If the roof were well-maintained, you might still get partial coverage.
• If it’s heavily worn or past its life expectancy, the claim might be denied entirely.

A roofing expert can give you an honest assessment upfront so you don’t go into the claim blind.

6. What’s the difference between roof repair and roof replacement insurance?

Some policies only pay to repair the damaged area. Others may approve a full replacement if the damage is widespread or affects the roof’s performance.

You might get a full roof replacement insurance claim if:

1. Shingles are damaged across multiple areas.
2. Materials are no longer available to match the existing roof.
3. The decking or structure beneath is compromised.

Insurance companies don’t love paying for full replacements, but when the evidence is strong, it’s hard for them to say no.

7. How do you make sure your claim isn’t denied?

Avoid these common pitfalls:

• Waiting too long to report damage
• Failing to maintain your roof over time
• Not having photo evidence before and after the storms

One of the best things you can do is work with a roofer who has experience dealing with roof insurance claims. Companies like Pro Craft Home Products often help homeowners navigate the paperwork and advocate during inspections.

8. Can you choose your roofer after a claim is approved?

Yes, and you should. Insurance companies may suggest contractors, but you’re not required to use them. Pick a roofer you trust, not the cheapest option.

Why it matters:

• A reputable roofer uses quality materials.
• They won’t cut corners to save the insurance company money.
• They’ll help handle follow-ups if the adjuster missed something.

9. What if the insurance money doesn’t cover the full cost?

This happens more often than you’d think. There are two common reasons:

1. The adjuster underestimated the cost.
2. Your policy only pays actual cash value.

In either case, a professional roofer can provide a detailed estimate and negotiate a supplement with the insurer. This process isn’t about asking for more than what’s needed; it’s about getting what it takes to do the job right.

Final Thoughts

The insurance process for roof damage doesn’t have to be frustrating. With a trusted roofer by your side and a good understanding of how roofing insurance works, you’ll be better prepared to protect your home and your budget.

If you’ve recently had storm damage or think your roof may have taken a hit, don’t wait. Call us at 419.475.9600 and get that inspection done. Roofs don’t fix themselves, and insurance won’t cover problems that go ignored.

FAQ

Q: Does homeowners’ insurance cover leaks?

A: Yes, if the leak was caused by sudden damage like a storm. Not if it’s due to age or poor maintenance.

Q: Can I get a new roof through insurance?

A: Yes, if the damage is severe enough and your policy includes replacement coverage.

Q: Should I call insurance before a roofer?

A: Always call the roofer first. They can tell you if it’s worth filing a claim and help document the damage.

Q: How long does the roof insurance claim process take?

A: It can take anywhere from a few days to several weeks, depending on the insurance company and claim complexity.