Step-by-Step: Filing a Roof Insurance Claim

Before You File

1. Document the Damage

• Take photos and videos of all visible damage
• Include wide shots and close-ups
• Document the date and time
• Note weather conditions that caused damage

2. Prevent Further Damage

• Apply temporary tarps if needed (keep receipts)
• Do not make permanent repairs yet
• Take photos before and after temporary fixes

3. Review Your Policy

• Check your coverage type (ACV vs RCV)
• Note your deductible amount
• Review any exclusions
• Know your claim filing deadline

Filing the Claim

Step 1: Contact Your Insurance Company

• Call the claims department or file online
• Provide your policy number
• Describe the damage and cause
• Request a claim number

Step 2: Document Everything

• Get the adjuster's name and contact info
• Note the claim number
• Keep a log of all communications
• Save all emails and letters

Step 3: Schedule the Adjuster Visit

• Be present during the inspection
• Point out all damage areas
• Ask questions about their findings
• Request a copy of their report

After the Adjuster Visit

Step 4: Review the Estimate

• Compare to your own documentation
• Check for missed items
• Verify measurements and pricing
• Understand what's included and excluded

Step 5: Get Contractor Estimates

• Get 2-3 estimates from licensed contractors
• Compare to adjuster's estimate
• Note any discrepancies
• Ask contractors to review adjuster's scope

Step 6: Negotiate if Needed

• Provide additional documentation
• Request re-inspection if damage was missed
• Submit contractor estimates as evidence
• Consider a public adjuster for disputes

Receiving Payment

Step 7: Review the Settlement

• Understand ACV vs RCV payment stages
• Check deductible deductions
• Verify recoverable depreciation amount
• Review for any holds or conditions

Step 8: Complete Repairs

• Hire your chosen contractor
• Keep all receipts and invoices
• Document the repair process
• Take photos of completed work

Step 9: Recover Depreciation (RCV Policies)

• Submit proof of completed repairs
• Include all invoices and receipts
• Request recoverable depreciation payment
• Verify final payment received

Key Takeaways

• Document everything from the start
• Be present for the adjuster visit
• Compare estimates carefully
• Don't settle until you understand the numbers