When your roof sustains wind or hail damage, or any other significant weather damage, contact your insurance company to report the damage. If you decide to file a claim, your insurance agent sends a roof inspector to inspect the damage. After the inspection is complete, your agent turns your case over to an insurance adjuster, who determines whether the damage fits within your policy’s requirements and how much of the repair or replacement costs the insurance company will cover.
The claim filing process sounds simple, right? It sounds simple in theory, but it’s complicated in practice for several reasons. First, home insurance companies have to be wary of potential roof fraud. Why? Roof damage is the most commonly reported claim that home insurance companies receive. They get a lot of claims, and not all of them are legitimate. Some people will use deceptive methods to get their insurance company to pay for a brand-new roof. Second, roof insurance is a complicated part of homeowner’s insurance. Roof coverage has limits, and you could end up paying more for insurance when you file a claim than you would if you paid for the roof repairs or replacement out of your own pocket.