Roof insurance claims, step by step

Read anything before you sign it

An assignment of benefits hands control of your claim to a contractor. There are legitimate uses for it and it is also the single most common way homeowners lose control of a claim. Never sign one on the doorstep.

Mind the deadline

Policies impose time limits on reporting damage, and they are shorter than people assume. Damage found late — hail in particular — is often denied simply because too long has passed.

Photograph everything, immediately

Wide shots that show the house, close shots that show the damage, and pictures of the inside where water came through. Dated, before anybody touches anything. An adjuster can work with photographs; they cannot work with a description.

Stop further damage, and keep the receipts

Emergency mitigation is normally recoverable and routinely forgotten. Save the paperwork for the tarp as carefully as the paperwork for the repair.

Get an independent assessment first

A written contractor assessment before the adjuster visits gives you a scope to compare against. If the two disagree, ask for the contractor to be present at a re-inspection — it changes the conversation considerably.

Know what your policy actually pays

Replacement cost pays what it costs to replace the roof today. Actual cash value pays that minus depreciation, which on a fifteen-year-old roof can be most of it. Find out which you have before you file, along with your deductible.

In short

Document first, mitigate second, file third. In that order it usually goes smoothly; in any other order it usually does not.