How to File a Roof Insurance Claim: Step-by-Step Guide

Filing a roof insurance claim can feel intimidating, but with the right preparation and knowledge, you can navigate the process successfully. Here's everything you need to know to file your claim and get your roof replaced.

Before You File: Essential Preparation

Step 1: Document the Damage

Immediately after a storm:

• Take photos and videos of visible damage from the ground
• Document damage to gutters, siding, windows, and AC units
• Save photos with timestamps (most phones do this automatically)
• Note the date and approximate time of the storm
• Don't climb on your roof—it's dangerous and can cause more damage

Step 2: Get a Professional Inspection

Before calling your insurance company:

• Contact a licensed roofing contractor for an inspection
• HAAG-certified inspectors are preferred for insurance claims
• The inspection should be free with no obligation
• Get a written report documenting all damage found

Why do this first? You don't want to file a claim and have your rates increase if there's no damage. A professional inspection confirms whether you have a legitimate claim.

Filing Your Claim

Step 3: Call Your Insurance Company

When you call to file:

• Have your policy number ready
• Know the date of the storm that caused damage
• Describe the damage briefly—don't speculate or guess
• Ask about your deductible type (flat vs. percentage)
• Request an adjuster appointment

What to Say (and Not Say)

Do say:

• "My roof was damaged in the [date] hailstorm/windstorm"
• "I've had it inspected by a licensed contractor"
• "I'd like to schedule an adjuster inspection"

Don't say:

• Don't guess about the extent of damage
• Don't admit fault or mention pre-existing issues
• Don't agree to anything you're unsure about

Step 4: Record Your Claim Number

The operator will give you a claim number. Write it down and share it with your roofing contractor. This number is essential for all future communications about your claim.

The Adjuster Inspection

Step 5: Schedule the Adjuster Visit

When scheduling the adjuster:

• Request a time when your contractor can also be present
• A three-way call/text with you, adjuster, and contractor works best
• Inspections typically take 30-60 minutes

Step 6: Have Your Contractor Present

This is critical. Your contractor should:

• Point out all damage to the adjuster
• Ensure nothing is overlooked or minimized
• Take their own photos and notes
• Present evidence for accurate damage assessment

Remember: The adjuster works for the insurance company. Your contractor works for you.

After the Inspection

Step 7: Review the Estimate

You'll receive a written estimate within 2-3 weeks. Review it carefully:

• Does it include all damaged items?
• Are quantities accurate?
• Are prices based on current material costs?
• Is it replacement cost or actual cash value?

Step 8: Request Supplements if Needed

If the estimate is incomplete or underpaid:

• Your contractor can submit a supplement request
• This adds missing items or adjusts incorrect pricing
• Our documentation supports your supplement request with detailed evidence
• The process typically takes 1-2 additional weeks

Getting Paid

Step 9: First Payment

Once approved, you'll receive a check (minus your deductible). If you have a mortgage:

• The check will be made out to you AND your mortgage company
• Sign the back to endorse it
• Have your mortgage company endorse it too
• Some lenders require funds to go into escrow

Step 10: Second Payment (Depreciation Recoverable)

With replacement cost policies, you may receive a second check after work is completed. This "recoverable depreciation" covers the full replacement cost.

Common Mistakes to Avoid

• Waiting too long: Texas has a 1-year deadline for claims
• Filing without inspection: Confirms you have a valid claim
• Not having contractor present: Missing damage means lower payout
• Accepting first offer: Estimates can be supplemented
• Hiring unlicensed contractors: Can void warranties and create liability

Timeline Summary

1. Day 1: Storm occurs, document damage
2. Days 1-7: Professional inspection
3. Days 1-14: File claim with insurance
4. Days 7-21: Adjuster inspection
5. Days 21-42: Receive estimate
6. Days 30-60: Supplements processed (if needed)
7. Days 60-90: Roof replacement completed

Need Help with Your Claim?

Our HAAG-certified team works with insurance claims every day. We'll inspect your roof for free, be present during the adjuster inspection, and provide all necessary documentation. Most homeowners pay only their deductible for a complete roof replacement.