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Frequently Asked Questions About Roof Insurance Claims


As a savvy homeowner, you naturally have questions about your homeowner’s insurance and how it will affect your roof replacement. Thankfully, we have the answers. Read below to find the answers to frequently asked questions about roof insurance claims. If you have any further questions, feel free to contact Quality Roofing.

What signs of roof damage should I look for after a fire or storm?

Damage varies based on the severity of the storm or fire. Issues can range from something as simple as missing shingles to more severe damage such as caved-in sections. A roofing contractor will conduct a comprehensive assessment to identify surface damage, as well as damage that may not be easily noticeable. If you suspect that your roof has damage, you should contact a licensed roofing professional instead of assessing the roof yourself.

How Can I Document Roof Damage After a Storm or Fire?

Insurance companies may request photos or videos of the damage. You can typically send them photos via email or the insurance provider’s app. We also recommend that you take careful notes so that there is no confusion later. Document the damage during daylight, if possible. Have all documentation readily available when you contact the insurance company. NOTE: Do not put yourself or someone else in danger to document the damage.

If I suspect roof damage, who should I contact first?

If you suspect roof damage after a storm, you should contact a reputable roofing contractor in Florida first. A contractor can assess the damage, verify it was caused by a storm and help you file an insurance claim. Afterward, you should contact your insurance company.

What do insurance adjusters look for when inspecting roof damage?

To qualify for roof replacement coverage, the adjuster will need to identify signs of damage caused by a fire, natural disaster, or other cause listed in your policy. The inspector may look for other signs of damage, such as curling or cracked shingles, exposed underlayment, or missing roof components.

Will my roofing contractor be there during the insurance adjuster’s inspection?

Absolutely. Once your roofing contractor completes the initial inspection, you can contact the insurance company to schedule the inspection from the adjuster. Your contractor can meet with the adjuster to verify that the storm caused the damage. They can also coordinate the roof repair details.

How much will my roof replacement cost?

How much your roof replacement cost depends on numerous factors, including the extent of your damage, the scope of work to be done, and how much your insurance company will cover for expenses. Your roofing contractor will provide an estimate based on all roofing materials and labor costs.

Will my insurance premiums increase after I file a claim?

Your homeowner’s insurance premiums will likely stay the same after you file a claim. Some claims may result in a rate increase, such as heavy storm damage or multiple high claims in a single year. However, this type of rate increase is not related to you filing a claim for a roof replacement.

What type of insurance policy do I have?

There are two main types of insurance policies that function differently. Under an actual cash value (ACV) policy, your roof depreciates annually for ten years. If your roof sustains damage in that time, you will receive a check for the depreciated value. If you have a replacement cost (RC) policy, the insurance carrier will cover the total roof replacement cost. However, the homeowner is responsible for any deductible. You need to check with your insurance company to identify what type of insurance policy you have.

Can I get more than one estimate for roof repairs?

Yes, you can. However, multiple estimates are not always necessary. You simply need to make sure that the contractor will charge equal to or less than the insurance company’s estimate. The insurance company will only pay for the actual repairs based on the job’s fair or average market price, regardless of how much the contractor charges.

Can I challenge a claim denial? If so, how?

There are essentially two ways you can challenge a roofing insurance claim denial. First, you can hire a public homeowners insurance adjuster to assess the roof and file a statement. The second option you have is to hire an attorney and file a claim or lawsuit against the insurance company. Either option does not guarantee that the insurance company will reverse its decision, but it may give you greater leverage when you appeal.

How do I know what my insurance policy covers?

The best way to determine your insurance policy covers is to go over the details with an insurance agent – either with the insurance company or an independent agent. Know what your policy covers in advance so that you can adjust your policy as needed. Review and update your policy annually before hurricane season start (June 1st).

Professional Roof Replacement in Florida

Whether you have an old roof, or your roof was damaged in a storm, contact Quality Roofing for a professional roof replacement. We offer a range of roofing services, including roofing repair, replacement, and maintenance. Call us today at (850) 753-0041 or fill out the contact form to request a free estimate. We are your premier roofing company in Florida.

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