Need Help With Roof Insurance Claims?
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If your roof has sustained damage from a storm or another event, you might be considering filing an insurance claim. Many people don’t want to deal with their insurance company, which is why ATR Roofing provides assistance in dealing with roof insurance claims.
If you need a reputable roofing company, call us today at 317-460-1191
Roof Insurance Claim Process
The first step in the roof insurance claims process is to find a roofing contractor to perform a professional inspection. The purpose of the inspection is to document existing damages for the insurance company and determine the total repair or replacement cost. The roofing contractor will also take pictures of the damage for your records.
After the inspection, contact your insurance company and file a claim. Your insurance company will send an adjuster to assess the damage. It is important to have your chosen contractor meet with the insurance adjuster to identify areas that need repair.
Once the contractors repair the damage, your insurance company will send a final check for the roof repair costs. If you have a mortgage, the check will be made out to both you and the lender because the lender has a financial interest in repairing your house.
Factors That Affect Roof Insurance Claims
Below are some factors that can affect insurance claims on roof damage:
Materials Used
Insurance companies are required to replace damaged roof materials with materials that are similar in kind. If you lose a few shingles that are no longer manufactured, the insurance company may have to replace the entire roof with new shingles.
Damage Location
The location of the damage can affect your roof insurance claim. Insurance policies should cover all continuous surfaces on your roof. If your roof has damage on one side of its ridges, the company should replace the entire roof because the two ridges form a single continuous roof.
Date of Damage
Roof-related insurance claims must be submitted within a specific timeframe. Most policies require you to file a claim within two years, but some insurance companies only allow one year. Consult your insurance agent to clarify the parameters of your policy regarding the time you have to submit your claim.
Roof Insurance Claims FAQ
Below are some of the most common questions we receive about insurance claims for roof damage:
Are Warranties the Same as Insurance?
No, warranties are not the same as roof insurance. Warranties cover manufacturer defects and abnormal wear but do not cover roof leaks or other types of damage.
Does Homeowner’s Insurance Cover Roof Damages?
Yes, most homeowners’ insurance policies cover damage to the roof, depending on the cause. A typical policy covers wind and hail damage, storm damage, and natural disaster damage. If the damage was due to a severe weather event, your insurance policy should cover your roof claim.
How Long Does It Take to Process an Insurance Claim?
The timeframe to pay or deny a claim depends on your insurance carrier. Typically, the process takes up to 60 days. In a state of emergency, this period can be extended by 30 more days, for a total of 90 days. Your insurance provider may request additional information to determine whether to accept or reject your claim.
Get a Free Roof Inspection Today
If you need assistance with a roof insurance claim, our experienced contractors at ATR Roofing are here to help. With quality craftsmanship and high-quality equipment, we provide reliable residential roof repair and commercial roof replacement services.
Contact us and we will give you a free, no-obligation inspection and on-site estimate for your roof. We can determine if you need repairs or a full roof replacement.
Call us today at 317-460-1191 or request a roof inspection online

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