Understanding The Insurance Claim Process

Your home is one of your greatest assets. As such, the integrity of your roof is of great importance. While preventive measures are taken to ensure the most weather resistant roof possible during construction, severe weather does happen – sometimes roofs suffer damage from hail, high winds, and other forms of extreme weather. This is one reason that insurance plays an important role in the roofing business. Rescue Roofers will walk you through the insurance claims process to help you understand how everything works should you need to file a claim due to any possible damage.

How Do You Know If The Roof Is Damaged?

The morning after a large storm has passed through your area, you may find yourself wondering if your roof has suffered any damage from the weather – you may have heard hail beating down on the roof or similar conditions that are a cause for concern. If this is in question, contact Rescue Roofers and schedule a time where we can come out and assess the amount of damage, if any, to the roof. We will then discuss with you the extent to which your roof is damaged, or if it has not suffered any damage at all. If the damage is significant, filing an insurance claim will be the next step.

The Process

To many home owners, the insurance claim process can be intimidating and overwhelming. In the event of significant damage to the roofing structure, however, insurance is a welcome service. The first step once Rescue Roofers has established that your roof has suffered significant storm damage is to contact your insurance company and schedule an appointment for an adjuster to come out and assess any damages. While this is in many ways similar to the assessment we perform, the insurance company will want to assess it themselves – our assessment simply lets the home owner know whether or not a claim should be filed. During this process, Rescue Roofers is happy to serve as a third party to work with the home owner and insurance adjuster to ensure that every part of the property (roof, gutter, siding, windows, etc) is inspected properly. After the adjuster’s assessment, the insurance company should provide the home owner a summary of damages, often referred to as the insurance scope of work, as well as the first check. This check is generally about half of the amount needed to cover the repair or replacement of the damaged roof. Rescue Roofers can review this paperwork and discuss with the home owner the accuracy of the summary and payment estimates. Each insurance company may handle this process differently – therefore it is difficult to provide definite answers to certain questions ahead of time. Rescue Roofers will assist you in any way we can throughout the claims process. Our goal is to minimize the best we can any overwhelming aspects of the paperwork and the process itself. Since we have experience with hundreds of claims, we can provide reliable, professional advice wherever needed.


The home owner is legally required to pay whatever deductibles that were agreed upon when the insurance policy was purchased. The deductible will vary from one case to the next, though the home owner should be aware of his or her responsibility for the deductible before filing any claims.

Repairing/Replacing The Roof

Following a roof claim approval you will have a set time limit to repair the covered damage depending on your insurance company. After Rescue Roofers discusses with the home owner the accuracy of the insurance company’s assessment and payment estimate, our representative will discuss with the home owner any materials needed to perform the replacement or repair as well as costs. If there is a mortgage on the home or business the first insurance check will usually require your mortgage company's approval of the contract for the scheduled roof replacement or repair. Once the contracted work is complete, Rescue Roofers will send an invoice indicating total costs and signed verification of the completed roof project to your insurance company. Once the insurance company has reviewed this information, the home owner is sent a second check to cover the remaining cost for the repair/replacement that the first check did not cover. At this point, the insurance claim process is complete and the home owner has a new or repaired roof. Though to many home owners this may sound like an exhausting process, we at Rescue Roofers are here to assist in any way we can – from the assessment and filing of paperwork to the completion of any and all necessary repairs.