If you’re a homeowner considering filing an insurance claim for roof damage, it’s important to assess the situation carefully before moving forward. Legitimate roof damage can be tricky to spot, especially when it comes to differentiating between wear and tear, minor issues, and true storm damage. Filing a claim without understanding the full picture can lead to claim denials or even unnecessary expenses. In this guide, we’ll go over the types of roof damage insurance companies recognize, what to look for before filing an insurance claim, and how to assess whether your roof damage is worth claiming.
Understanding Roof Damage Types: What Insurers Cover
Insurance companies generally cover roof damage that’s caused by sudden and unexpected events, such as hail, windstorms, or fallen trees. They do not, however, cover damage from regular aging or maintenance issues, which are seen as the homeowner’s responsibility. Here are a few common types of roof damage that insurance companies might cover:
- Wind Damage: High winds can rip off shingles, loosen nails, or cause branches to strike your roof. Missing or loose shingles are often visible after a major wind event.
- Hail Damage: Hailstorms can cause dents, dings, or even punctures in shingles and metal roofing. It’s usually visible as small impact marks or granule loss on asphalt shingles.
- Falling Debris: Heavy tree branches or other debris from storms can break or puncture your roof. If you’ve experienced a major storm, check for signs of debris damage before filing an insurance claim.
- Water Damage: Leaks caused by storm-related roof damage may also be covered, but only if the storm is the direct cause and not due to existing wear and tear or lack of maintenance.
How to Identify Legitimate Roof Damage
Before filing an insurance claim, take some time to inspect your roof for legitimate, insurable damage. While it’s always best to get a professional roofer’s opinion, there are a few ways you can start the inspection yourself:
Look for Missing, Loose, or Damaged Shingles
One of the easiest ways to spot roof damage is by looking for missing, curled, or torn shingles. After a storm, take a walk around your home and check for shingle debris on the ground. From the ground, or using binoculars, look for any shingles that appear to be lifted, out of place, or missing altogether.
Check for Granule Loss on Asphalt Shingles
Granule loss is normal as a roof ages, but hail or heavy rain can also dislodge these granules quickly. If you notice granules in your gutters or around downspouts after a storm, this could indicate legitimate hail damage. If granule loss has led to bald spots on shingles, your roof might be more susceptible to future leaks, and it’s a good time to consider filing an insurance claim.
Inspect Flashing and Seals Around Roof Penetrations
Flashing, or the metal strips that seal edges around vents, chimneys, and skylights, can often get damaged during storms. If flashing is loose, dented, or missing, it’s easier for water to seep in, leading to potential interior damage. Damaged flashing is a legitimate issue to bring up if you’re filing an insurance claim.
Look for Water Stains Inside Your Home
If you see water stains on your ceilings or walls, this could indicate a leak. Check your attic or upper floors for signs of water entry, especially after a heavy rain. Even small water stains can signal potential damage and may strengthen your case when filing an insurance claim.
When to Call a Roofing Professional for a Second Opinion
Sometimes, damage isn’t easy to spot from the ground, or it might require a trained eye to understand its extent. Getting a professional roofer involved can be a smart step, especially if you’re unsure about filing an insurance claim. A reputable roofer, like Roof Tech, can identify specific storm-related damage, provide documentation, and give you an honest assessment of whether a repair or replacement is necessary.
Roofers can also help ensure your insurance company has all the evidence needed to validate your claim, which can be especially useful when you’re dealing with less visible damage, like hidden leaks or subtle hail impacts. Plus, with a pro on your side, you’re less likely to miss any damage that could worsen over time.
The Insurance Claim Process: What to Expect
Once you’ve identified legitimate roof damage and decide to move forward, it’s time to start the insurance claim process. Here’s a brief overview of what you can expect:
- Contact Your Insurance Company: Let your insurer know about the damage and start the claim process. They’ll likely schedule an inspection to assess the damage.
- Document Everything: Take photos and videos of the damage, both inside and outside your home. The more documentation you provide, the better your chances of a successful claim.
- Get a Repair Estimate: Having a roofing professional’s estimate on hand can help your claim by giving the insurer a clear idea of repair or replacement costs.
- Meet with the Adjuster: During the insurance inspection, Roof Tech Services can join the adjuster to discuss the damage and support your claim with their own assessment.
- Claim Outcome: After the inspection, your insurer will let you know if your claim is approved or denied and explain the next steps. If approved, they’ll provide payment based on the cost of repairs or replacement, minus your deductible.
Avoiding Common Pitfalls in Filing an Insurance Claim
Knowing what insurers are looking for is half the battle. Here are 3 common mistakes homeowners make when filing an insurance claim:
- Waiting Too Long to File: Many insurance policies have a limited timeframe in which you can file a claim after the damage occurs. Don’t delay if you suspect serious roof damage.
- Neglecting Regular Maintenance: Insurance companies often deny claims if the damage is due to neglect. Regular roof inspections and maintenance can prevent issues and protect you during the claims process.
- Exaggerating the Damage: While it might be tempting to stretch the truth, any exaggeration or claim for non-legitimate damage can lead to claim denial or even legal issues. Stick to the facts and let the evidence speak for itself.
Final Tips for Filing an Insurance Claim for Roof Damage
Know Your Policy: Every homeowner’s policy is different. Make sure you understand your coverage details, including deductibles and any exclusions.
Be Persistent but Patient: Claims can take time to process, especially during peak storm seasons. Stay in touch with your insurer, provide all requested information, and follow up if necessary.
Consider Future Prevention: After filing an insurance claim and repairing your roof, consider upgrades that could strengthen it against future storms, like impact-resistant shingles or stronger flashing.
Roof Tech Services can help you assess any potential roof damage and guide you through the process of filing an insurance claim if needed. Contact us to schedule an inspection or discuss your roofing needs. Don’t let roof damage go unnoticed—reach out today and protect your home for years to come.
