Roof Insurance Claim Process: What to Expect When Filing Your Claim

Step 1: Assess the Damage

After a storm or damaging event, your first step should be to inspect your roof. While you may be able to spot obvious signs like missing shingles or visible leaks, it’s best to call professional roofers for a more thorough inspection. A trained eye can identify both visible and hidden damage, which is crucial for building a strong insurance claim. Milledge Roofing Company offers detailed roof inspections to help homeowners understand the extent of the damage and whether it warrants an insurance claim.

Step 2: Review Your Insurance Policy

Before filing a claim, take time to review your homeowner’s insurance policy. Check what types of roof damage are covered, your deductible amount, and any exclusions. Most policies cover damage from natural disasters like windstorms, hail, or fire but may not include wear and tear or poor maintenance. Understanding your coverage will help you avoid surprises later in the process.

Step 3: Contact Your Insurance Company

Once you're confident the damage is covered under your policy, contact your insurance provider to begin the claims process. Provide them with details of the event that caused the damage and request to file a roof insurance claim. Your insurer will assign a claims adjuster to evaluate the damage and determine the amount of compensation you may be eligible for.

Step 4: Get a Professional Roofing Estimate

While the insurance adjuster will assess the damage, it’s also important to get an independent estimate from a reputable roofing company. Milledge Roofing Company can provide you with a detailed, itemized estimate for your roof repair or roofing replacement. This helps ensure that the insurance company’s assessment matches the actual cost of the needed work.

Step 5: Meet with the Insurance Adjuster

When the insurance adjuster schedules a visit, try to have your roofing contractor present during the inspection. This allows the contractor to point out specific areas of damage and advocate for necessary repairs or replacement. A professional roofer from Milledge Roofing Company can communicate directly with the adjuster to ensure no damage is overlooked.

Step 6: Receive the Insurance Estimate

After the adjuster completes their inspection, your insurance company will issue an estimate of the repair or replacement costs. This document outlines what the insurer will pay and what, if anything, you are responsible for. In many cases, the insurance payout is split into two parts: the actual cash value (ACV) and the recoverable depreciation, which is paid after the work is completed.

Step 7: Begin Roof Repair or Replacement

With the insurance claim approved, it's time to start the work. Choose a licensed and insured roofing company like Milledge Roofing Company with experience in handling insurance claims. Our team will ensure your roofing replacement or repairs meet quality standards and comply with local building codes.

Step 8: Final Inspection and Documentation

After the work is completed, your roofing contractor will conduct a final inspection and provide documentation, including photos and invoices, to submit to your insurance company. This is necessary for you to receive the remainder of your claim payment.

Why Choose Us?

Navigating the roof insurance claim process can be stressful, but Milledge Roofing Company makes it easier. With years of experience in roofing, we understand how to work with insurance companies and ensure you get the coverage you deserve. Whether you need a simple roof repair or a complete roofing replacement, our team of skilled roofers are here to help.