Expert Guidance for Roof Insurance Claims

The adjuster inspects your property to assess the damage and determine coverage under your insurance policy. They spend about 1-2 hours inspecting and photographing the damage. It’s crucial to inform them of any issues, such as ceiling stains. There are no fees for filing a claim, but consider having a roofing company inspect first to decide if filing is necessary. Excessive claims can affect property resale value.

This detailed report from the adjuster lists all repairs or replacements covered by insurance. Homeowners should provide a copy to their roofing contractor, as it outlines the approved work plan.

After reviewing the scope of work, your contractor will require a signed contract to perform the work. This document should include warranty details, cancellation clauses, and other essential information.

If additional damages are found during repairs, the contractor can submit a supplement request for extra funds. This is common in about one-third of roofing claims, especially for hidden water damage.

Depreciation is the reduction in your roof’s value due to wear and age. The recoverable depreciation is paid after repairs are completed and paperwork is submitted. For example, if you have a $15,000 claim with a $5,000 deductible and $4,000 in depreciation, you’ll receive an initial $6,000. The final $4,000 is paid once the work and documentation are completed.

Important: If you skip repairs and keep the initial check, you won’t receive the final depreciation payment. Additionally, your roof may become uninsurable, meaning future damage won’t be covered.

Recent laws require that deductibles be paid directly to the contractor. Beware of scams suggesting you don’t need to pay or offering to reduce your deductible.

This final step involves signing a form confirming that all work is completed according to the scope of work. Ensure you are satisfied with the job before signing, as the final depreciation check won’t be sent until this form is submitted.