How Do I File A Homeowners Insurance Claim For A Damaged Roof?

Tampa roof repair
Tampa roof repair

Your roof is the first line of defense against the elements. Your roof is vulnerable to heavy snowfall, electric fires, falling branches, moisture intrusions, as well as damage from animals like squirrels who can get into your attic and take residence. You may be tempted to start repairs immediately after a storm or other disaster damages your roof to protect your family and your belongings. You don’t need to wait for your insurance company to pay out for damage to your roof. However, it is important to do the right things before you schedule or complete any repairs. This will ensure that you can prove the extent and cause of the damage to maximize your claim. Most insurance companies consider your roof just as important as you, and most homeowner’s insurance policies cover roof damage, depending on the cause.

How Do I Get Insurance To Pay For A New Roof?

Find A Reputable Roofer

If you are looking for a licensed and local roofing company that can help with your insurance claim, then this is the place to look. You will have a better experience if you choose a roofing contractor that uses roofing software. This will allow you to take photos of the damaged areas and send them to the contractor. He will then be able to move the images to your case profile. He can quickly retrieve your insurance information from the computer. Overhead photos can help you identify damage to your home that may not have been noticed.

Get Your Roof Inspected

Next, contact a professional roof inspector to inspect the roof and document any damage. To “present a case” to the roofer for proper repairs, they will take many images.

Temporary Repairs

To prevent further damage, your roofer can make temporary repairs to your house if necessary. It is the homeowner’s responsibility to make interim repairs. However, you should retain all invoices for supplies so that you can later submit all documents to your insurer for compensation. It is always smart to hire a professional to inspect your property. This will confirm the findings of the insurance adjuster.

Arrange A Visit For An Insurance Adjuster

Once your roofing contractor has assessed the damage, contact your insurance company. Within a few days, the adjuster should be at your home. Your contractor should know when the adjuster will visit your property to inspect it. It is important that they are present to identify areas of concern and harm.


While the adjuster is present, take down a few notes, including the name of the adjuster, the date and time, and the claim number. You and your insurance provider will then be able to quickly and easily communicate information about your claim in the future.

Get All The Details

Once the adjuster has inspected your property, the insurance company will approve any roof work. Your contractor will work with the insurance company to make sure everyone is clear about the scope of the work.

Estimate Of Repair From Insurance

Insurance providers will give you a repair estimate and the financial details to pay for the roof replacement or repairs.

It’s Time To Get Started

The roofing contractor will arrange the start of the project as well as place the order for the materials. These materials will arrive at your home before the start of the project.

How Do You Make Payments?

Roofers are typically paid after the job has been completed. The settlement cheque from your insurance company will usually be made out to you and the mortgage lender if you have a mortgage on your home. Mortgage lenders have equal access and can check for insurance.

Your roofing contractor as well as your insurance provider both want your new roof of the best quality. This is why your insurance coverage should reflect that.

This post was written by a roofing specialist At All-Star Roofing. We offer the best Tampa roof repair in the Bay. We are a family-owned and operated roofing business, and we strive to be the best in our industry. Our family has been in the Tampa Bay area for over 60 years, and our objective has always been to provide roofing services at a fast, reliable, and competitive rate. All-Star has a tradition of quality workmanship, servicing residential and commercial properties.