How Does Roof Replacement Through Insurance Work?
Step 1: Assess the Damage
Before filing an insurance claim, you need to determine the extent of the damage. Storms, hail, and fallen debris can cause significant issues that may qualify for coverage. Look for:
- Missing or cracked shingles
- Leaks or water stains inside your home
- Sagging or structural damage
- Granules from shingles in your gutters
If you notice any of these signs, contact a professional roofing contractor like Matt’s Exteriors for a thorough inspection.
Step 2: Review Your Insurance Policy
Not all policies cover roof damage in the same way. Here’s what you need to check in your policy:
- Covered Perils: Most policies cover damage from storms, wind, and hail.
- Exclusions: Some policies exclude damage due to wear and tear or improper maintenance.
- Deductible: The amount you must pay before insurance kicks in.
- Depreciation: Some policies pay the actual cash value (ACV), while others cover replacement cost value (RCV), which pays for a new roof.
If you’re unsure about any terms, your insurance provider or a roofing expert can help clarify.
Step 3: File an Insurance Claim
Once you confirm that your policy covers the damage, follow these steps:
- Document the Damage: Take clear photos and videos of the affected areas.
- Contact Your Insurance Company: Notify them as soon as possible to start the claim process.
- Schedule an Adjuster Inspection: Your insurer will send an adjuster to assess the damage and determine coverage.
Pro Tip: Having a roofing contractor present during the adjuster’s visit can help ensure an accurate assessment (Better Business Bureau, Finding a Trustworthy Roofing Contractor).
Step 4: Hire a Public Adjuster (Optional, but Recommended for Denied Claims)
If your claim is denied or undervalued, hiring a public adjuster can be beneficial. Public adjusters are licensed professionals who advocate for homeowners in insurance disputes.
Top 3 Public Adjusters in Metro Atlanta
- The Valuetainment Group – Specializing in storm and property damage claims.
- Empire Public Adjusters – Experts in negotiating fair settlements.
- Reliant Insurance Adjusters – Trusted for claim documentation and advocacy.
Step 5: Get an Estimate & Choose a Contractor
If your claim is approved, the insurance company will provide an estimate for the repair or replacement costs. At this point:
- Get a detailed estimate from a trusted contractor like Matt’s Exteriors.
- Ensure the estimate aligns with the insurance company’s assessment.
- Check that your contractor is licensed, insured, and experienced in insurance claims (National Roofing Contractors Association, NRCA).
Step 6: Roof Replacement & Payment Process
Here’s what to expect when the work begins:
- Approval & Scheduling: Your contractor will work with the insurance company to finalize details.
- Installation: A full roof replacement usually takes 1-3 days
- Payment Process:
- If you have an ACV policy, you’ll receive a check for the depreciated value, and you’ll need to cover the remaining cost.
- If you have an RCV policy, you may receive an initial payment, and the remaining balance is paid after work completion. Your contractor will provide all necessary documentation to your insurer to ensure proper reimbursement.
Conclusion
Navigating roof replacement through insurance can feel overwhelming, but with the right approach, it doesn’t have to be. By understanding your policy, working with a reliable contractor like Matt’s Exteriors, and ensuring proper documentation, you can maximize your chances of getting coverage.
If you think your roof may qualify for an insurance-covered replacement, contact us today for a free inspection and expert guidance!
FAQ
Q: How long does the insurance claim process take?
A: The timeline varies but generally takes 2-6 weeks from filing a claim to receiving approval
Q: Will my insurance rates increase if I file a claim?
A:
Not necessarily. Since storm damage is considered an "Act of God," insurers usually don’t raise rates for individual claims
Q: What if my roof is old? Will insurance still cover it?
A: Some insurers reduce coverage for roofs over 15-20 years old, offering only actual cash value (ACV) instead of full replacement cost
Q: Can I choose any roofing contractor for the job?
A:
Yes, but it’s crucial to pick a licensed, insured contractor experienced in handling insurance claims, like
Matt’s Exteriors.
Q: What if my claim gets denied?
A:
If denied, you can request a reinspection, submit additional evidence, or hire a public adjuster to negotiate on your behalf
