How to file a homeowners insurance claim for roof damage. What's covered, what's not, how to document damage, and how to avoid claim mistakes that cost you money.
Navigating a roofing insurance claim can feel overwhelming — but knowing the process in advance makes a huge difference in the outcome. Here's the complete guide.
Step 1: Assess and Document Damage
Immediately after a storm or weather event, document all visible damage with photos and video. Don't go on the roof yourself — hire a professional inspector or wait for your adjuster. Photograph: damaged shingles, missing pieces, dents from hail, damage to gutters, downspouts, and any interior water damage.
Step 2: Review Your Policy
Before calling your insurer, review your policy for: deductible amount, whether you have ACV or RCV coverage, any specific exclusions or requirements, and reporting deadlines.
Step 3: File Your Claim
Call your insurance company's claims line or use their app/website. Provide the date of the event, a general description of damage, and your contact information. They will assign an adjuster.
Step 4: Get a Roofing Estimate First
Before the adjuster arrives, get an estimate from a licensed roofing contractor. A professional estimate helps you verify that the adjuster's scope of work is complete and accurate.
Step 5: Meet With Your Adjuster
Your contractor can meet with the adjuster to advocate for a complete scope of work. This is especially valuable — adjusters can miss items that an experienced roofer would catch.
Step 6: Review the Settlement
If your settlement seems too low, you have options: request a re-inspection with your contractor present, hire a public adjuster, or invoke the appraisal clause in your policy.
ACV vs RCV Coverage
ACV (Actual Cash Value) policies pay the depreciated value of your roof. A 15-year-old asphalt shingle roof might have depreciated by 50%, meaning you'd get half of the replacement cost. RCV (Replacement Cost Value) policies pay the full cost to replace with like materials — significantly better but comes with higher premiums.
Frequently Asked Questions
Does homeowners insurance cover roof replacement?
Most homeowners insurance covers sudden, accidental damage from storms, hail, wind, falling objects, and fire. It does not cover gradual wear, aging, or maintenance issues. The coverage depends on your policy type — ACV (actual cash value) policies deduct depreciation; RCV (replacement cost value) policies pay full replacement cost.
How long do I have to file a roof damage claim?
Most policies require you to report damage promptly — typically within 1 year of the event. However, the sooner you file, the better. Delayed claims are harder to document and more likely to be denied or reduced.