Storms, falling debris, and sudden roof leaks can leave homeowners scrambling—not just for repairs, but for coverage. Fortunately, most homeowners insurance policies cover certain types of roof damage. The key is knowing how to file a roof insurance claim correctly to ensure you get the compensation you deserve.
In this step-by-step guide, Liberty Roof Co. breaks down how to navigate the claim process, work with your contractor and adjuster, and avoid common pitfalls that lead to denied claims or underpayment.
When Does Homeowners Insurance Cover Roof Damage?
In general, insurance covers unexpected, accidental damage caused by:
- Windstorms and hail
- Fallen trees or debris
- Fire
- Vandalism
Insurance does not cover damage due to:
- Normal wear and tear
- Improper installation
- Lack of maintenance or neglect
- Gradual deterioration
For examples of storm damage, see How to Handle a Roofing Emergency After a Storm
Step 1: Assess the Damage Safely
After the storm passes, inspect your home safely from the ground.
Look for:
- Missing or curled shingles
- Tree limbs or large debris on the roof
- Leaks or water stains on ceilings and attic walls
- Granules in the gutters
- Visible roof deck or underlayment
Tip: Avoid going onto the roof yourself. Take photos from the ground and call a roofing professional for an inspection.
Step 2: Document the Damage Thoroughly
Before any cleanup or repairs begin, gather clear documentation:
- Wide and close-up photos of all visible damage (exterior and interior)
- Date of the storm or event
- Description of what occurred (e.g., “strong wind gusts blew shingles off,” “branch punctured roof”)
- Copies of local weather reports, if available
Proper documentation helps support your claim and speeds up processing.
Step 3: Contact a Reputable Roofing Contractor
Call a licensed and insured roofing company—like Liberty Roof Co.—for a storm damage inspection and repair estimate. We’ll:
- Examine your roof for both obvious and hidden damage
- Take additional photos and notes for your file
- Provide a written estimate for temporary and permanent repairs
- Assist with insurance claim documentation if needed
Learn what to expect during inspections in Roof Inspections: What Homeowners Should Expect
Step 4: Call Your Insurance Company
Report the damage to your insurance provider as soon as possible.
Be ready to:
- Provide your policy number
- Describe the damage and date of incident
- Submit your photos and inspection documents
- Receive a claim number and schedule for the adjuster visit
Note: Most policies have deadlines—don’t delay! Some require claims to be filed within 30–60 days of the event.
Step 5: Meet With the Adjuster
An insurance adjuster will schedule a time to inspect the damage. Ideally, your roofing contractor will be there too.
Why this matters:
- Your contractor can point out all damaged areas, not just the obvious ones
- Helps ensure the adjuster’s report matches the actual repair needs
- Increases the chance of a full, fair settlement
Step 6: Review the Insurance Estimate
After inspection, your insurer will issue a Statement of Loss outlining:
- Approved repairs and materials
- Replacement cost value (RCV)
- Actual cash value (ACV)
- Deductible amount
Tip: Compare this with your contractor’s estimate to ensure coverage is adequate.
Step 7: Complete Repairs and Submit Documentation
Once the claim is approved, you can schedule the roof repair or replacement. Most insurers will pay in two checks:
- ACV payment upfront
- RCV payment after repairs are completed and verified
Submit:
- Paid invoices
- Photos of completed work
- Any additional documentation requested
Curious about pricing? Check out How Much Does a New Roof Cost in 2025?
Common Mistakes to Avoid
- Waiting too long to file your claim
- Accepting a low settlement without review
- Hiring an unlicensed contractor or storm chaser
- Making permanent repairs before the adjuster visit
- Failing to document the damage thoroughly
Working with an experienced roofer helps avoid these costly errors.
How Liberty Roof Co. Helps With Insurance Claims
We’ve helped hundreds of homeowners successfully navigate the claims process. Our services include:
- Free storm damage inspections
- Photo and documentation support
- Estimates aligned with insurance standards
- Adjuster coordination
- Clear communication through every step
Meet our local roofing team
Get started with a storm damage inspection
You Deserve a Fair Settlement—and a Safe Roof
Filing a roof insurance claim doesn’t have to be overwhelming. With Liberty Roof Co. on your side, you’ll get expert guidance, quality repairs, and peace of mind that your home is protected.
