3 Tips For Filing A Roof Replacement Insurance Claim

On top of arranging repair services for your roof, you are also faced with the task of properly filing a roof replacement insurance claim.

Unfortunately, it can be a huge hassle when valuable assets, such as a roof, suddenly need to be replaced. Filing an insurance claim for unexpected storm damage can be intimidating and confusing. You want to get the compensation you deserve in the process, but where do you start?

Here are three tips for filing an insurance claim that should help ease your worries about the process.

1. Document the Damage

After a storm impairs your roof, you should inspect and document the damage as soon as possible. As you inspect your roof, look for missing shingles, signs of water damage, or anything else that seems awry. Document all damages through photographs. It is a great idea to have some pictures of your roof beforehand as well so that the insurance adjuster can plainly see the specific differences between the before and after. 

We recommend taking pictures of your yard and surrounding areas with damage, as this will strengthen your claim. Be sure to take photos of toppled chairs and tables, fallen tree branches, and anything else that captures the magnitude of the storm.  

2. Find a Knowledgeable Roofing Contractor

Even if you do not immediately notice any major problems with your roof, there might be other damages hidden to the untrained eye. At The Roof Doctor, our licensed professional contractors will make sure that nothing is overlooked. We prefer to be on-site when the adjuster arrives so that they are properly reviewing and noting all roof damage. A knowledgeable roofing contractor is a key component in receiving the necessary compensation for your roof repair.

3. Contact Your Insurance Agent

Reach out to your insurance company to begin filing a roof replacement insurance claim. Some insurance companies require you to contact them as soon as the damage happens, so do not delay this step. You will need to find out what types of roof damage your policy covers, as well as the cost they are willing to match. Every policy is a little bit different, and many things can impact your coverage, such as the age of your roof and the depreciated value. For example, if your roof is over a decade old, you may only be able to receive partial compensation. Once you reach out to your insurance company, an adjuster will come to your house to perform an inspection.

Need Roof Repair? Contact the Roof Doctor

If you are planning on filing a roof replacement insurance claim, contact The Roof Doctor to coordinate an inspection with your insurance claims adjuster.

We serve various cities in Utah, including the Salt Lake Valley, Tooele, Layton, Ogden, Bountiful, Orem and Provo. You can trust that our licensed roofing contractors will do high-quality work and get the job done right the first time.

How Do I File An Insurance Claim For A Roofing Repair?

How Do I File An Insurance Claim For A Roofing Repair?

With the recent storms that have hit Utah, wind damage, hail damage, and damage from downed trees or branches may damage your home. Roofing shingles can tear off, flashings damaged, and gutters can be damaged as well. When natural disasters damage your roof, you may wonder what the next steps are to filing an insurance claim. Stay tuned as we provide that information here so that you can begin repairs soon.


Does Homeowners Insurance Cover Wind and Hail Damage?

According to the Insurance Information Institute, nearly 1 in 20 homeowners will file an insurance claim every year with around 1 in 50 that will report specific damage. Most insurance companies cover some wind damage in the form of tornadoes, hailstorms, rain, and lightning. Understanding what your particular policy includes is crucial for knowing what to expect with insurance claims.


The Types of Wind and Hail Damage Insurance Covers

Here are the common types of wind and Hail damage insurance covers:

  • Wind damage to roofs
  • Windows, shutters, and window screens
  • Fences including hail damage to vinyl fences
  • Aluminum or Vinyl Siding 

It’s best to review your home insurance policy to see just what is covered and talk with your agent for more information.


Submitting a Wind Damage or Hail Damage Insurance Claim

Before contacting your insurance, inspect for any damage, but carefully. Don’t go up on your roof since it could be unstable. Get binoculars if needed and check for any damage. If you have damage, this is a good time to call a professional roofer to mitigate any damages while you wait for the insurance process to take place. Many insurance policies require some type of repair to mitigate any further damages to the inside of the home.  Here is the process of submitting a storm damage insurance claim for your property.


  1. First, ensure the area is safe. If the damage to the roof is causing water to flood into your home, get to safety. If windows are broken, ensure no one can be hurt around them.
  2. Document the damage with photos and videos and note when the damage occurred, the time    and date. 
  3. Write down the description of the damage and make any temporary repairs that will make your home still liveable.
  4. Secure valuable personal property by storing it with friends or family if possible. If not, rent a storage unit until the damage is repaired.
  5. Contact a professional roofer to evaluate the storm damage and make any temporary repairs that are required to keep your home watertight.
  6. Contact your homeowner’s insurance and begin the insurance claims process. Your insurance company will send out an adjuster to check out the damage and appraise it, meaning how costly it is. They will then approve payment for a roof repair or replacement. 


Got Wind or Hail Damage? Call The Roof Doctor

If you’re looking for a roofing repair company that serves most of Utah, including the Salt Lake Valley, Tooele, Layton, Ogden, Brigham City, and Bountiful, contact The Roof Doctor. You can trust our licensed roofing contractors that ensure high quality and a job done right the first time. Contact us for a free estimate today.