Roof insurance claim help and insurance roof replacement

It usually helps to have a roofer look first. An inspection tells you whether there is real storm damage and how much, which helps you decide whether a claim makes sense at all. If we find nothing, you have avoided an unnecessary claim. If we find damage, you file with our photos and estimate in hand. Your policy may have its own reporting rules, so check it or ask your agent.

No. The policyholder files the claim, and we are not allowed to negotiate with your insurance company or represent you to them. We inspect, photograph, write estimates, can meet the adjuster on site to point out what we documented, and provide documentation of the finished work. If you want someone to represent you in the claim itself, that is the role of a licensed public adjuster.

It depends on your policy and on what the adjuster finds, and no roofer can promise the answer. Policies are generally written for sudden damage, such as hail or wind, and not for normal wear or age. When storm damage is widespread, some insurers approve an insurance roof replacement; when it is limited, they may cover a repair. We document the damage accurately either way.

The adjuster inspects the damage on behalf of the insurance company and reports what the policy covers. The adjuster does not work for you or for us. You can share our photos and estimate with the adjuster, and if you would like, we can be at the house during the inspection to point out the damage we documented so nothing is overlooked.

If your shingle line is no longer made in your color, a repair may leave a visible patch. We can send samples of your old shingles out for testing, and the report says whether a new shingle will match or not. You can present that report to your insurance company. How the insurer applies it depends on your policy, and we cannot promise how they will decide.

It varies with the insurer, the size of the damage and how quickly paperwork moves back and forth. Simple claims can move quickly, while larger or disputed claims can take months. If the roof is open to the weather while you wait, we can make temporary repairs to keep water out, and we will be ready to schedule the work once you have the insurer's decision.

Often, yes, since one storm can damage the roof, siding, gutters and soffit at once. Whether each item is covered is up to your policy and adjuster. We inspect and photograph all of it, and we can repair siding, gutters, fascia and soffit along with the roof, so your documentation and the work stay in one place.

Ask for the denial in writing with the reason, then set it beside the inspection report and photos we gave you. You can ask the insurer for a second adjuster, add weather records for the date of the storm, or hire a licensed public adjuster, who can negotiate for you in a way a roofer cannot. We keep supplying documentation through a dispute. If the claim stays denied, we give you a straightforward repair estimate, and financing is available upon credit approval.

It is the question of whether the insurer pays only for the damaged shingles or for enough of the roof to keep it looking uniform. Tennessee's insurance commissioner confirmed in 2017 that when replacement materials cannot match the rest in color, quality or size, the insurer should replace enough for a reasonably uniform appearance under the policy. A shingle sample report that shows no current match is the evidence that question turns on.

Schedule the adjuster's visit for a time one of our team can be on site. We walk the roof with the adjuster, point out what we documented and answer questions about the repair scope. You stay in the conversation, because we do not negotiate the claim for you.