Frequently asked questions

Do I really need to file an insurance claim for roof damage, or should I just pay out of pocket?

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Many times, storm damage is covered under your homeowner’s insurance, and filing a claim can save you thousands. We can help assess if filing is the right move.

How do I know if my roof damage qualifies for an insurance claim?

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A professional inspection is the best way to determine if damage was caused by a storm event (hail, wind, etc.) versus wear and tear.

Will filing a roof claim increase my insurance premiums?

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Typically, weather-related claims (like hail or wind) are considered “no-fault,” meaning they usually won’t directly raise your premiums.

How long do I have to file a claim after storm damage?

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Most insurance policies give you up to 1 year from the date of loss, but timelines vary by state and carrier. Acting sooner is always better.

What if my insurance company denies my roof claim?

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We specialize in navigating claim denials. We can request re-inspections, provide additional documentation, or move toward appraisal/mediation if needed.

Will my insurance cover the full cost of roof replacement?

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Most of the time, yes. Insurance usually pays for the full replacement, minus your deductible.

How long does the whole process take?

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Insurance approval can take a few weeks, but once approved, we can usually replace your roof in just a couple of days.

Why do I need a roofing contractor during the insurance process?

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We make sure the adjuster sees all the damage and that you get a fair payout. Without us, things can get missed.

Do I need to be there when the insurance adjuster comes?

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Not required, but it’s best if we’re there. We’ll point out damage so nothing gets overlooked.

What costs will I have to pay out of pocket?

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Just your deductible in most cases, unless you decide to upgrade your roof or add extra work.

Have more questions?

Contact us
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