Navigating an insurance claim for roof replacement can feel overwhelming. Here's a straightforward guide to help you understand the process.
Does Insurance Cover Roof Replacement?
Most homeowner's insurance policies cover roof damage caused by sudden events like storms, hail, fallen trees, and wind. They typically do not cover damage from normal wear and tear or neglect.
The Claims Process
- . Get a Professional Inspection — Before filing a claim, have a qualified roofing contractor inspect your roof. Mr. Roofer provides free storm damage inspections and can document the damage thoroughly.
2. File Your Claim — Contact your insurance company to start the claims process. Provide them with the inspection report and any photos or videos you've taken.
3. Insurance Adjuster Visit — Your insurance company will send an adjuster to assess the damage. Having your roofing contractor present during this visit can be helpful.
4. Review the Estimate — The adjuster will provide an estimate. Your contractor can review this with you to make sure all damage is accounted for.
5. Approval and Replacement — Once approved, your roofing contractor schedules the replacement. Mr. Roofer handles the entire process from tear-off to final cleanup.
What About Your Deductible?
You are responsible for paying your deductible. A reputable contractor will never offer to waive or cover your deductible — that's actually against the law in most states.
Why Choose Mr. Roofer for Insurance Claims?
We have years of experience working with insurance companies across the region. We provide detailed documentation, meet with adjusters, and make sure you get the replacement your home needs. Every full replacement comes with our workmanship warranty.
Contact us for a free inspection and let us help you navigate the process.
