What You Need to Know About Roof Insurance Claims

When your roof is damaged, the last thing you want is the added stress of figuring out an insurance claim. The process may seem complicated, but it doesn’t have to be. Here’s what every Pennsylvania homeowner should know about coverage, claims, and getting repairs or replacements done right:

When Does Insurance Cover Roof Damage?

In most instances, homeowner’s insurance will cover roof damage that’s sudden and accidental - meaning it wasn’t something that developed slowly over time. 

Here are some common scenarios where your roof damage may be covered:

• Storm Damage: High winds tearing off your shingles, heavy rain causing leaks, or hail denting and cracking roofing materials.

• Falling Objects: Tree limbs or debris crashing into your roof during a storm.

• Fire or Smoke Damage: If a fire affects your roof, even partially, insurance generally helps cover repair or replacement.

• Vandalism: Damage caused by criminal activity, like someone intentionally damaging your roof, is typically covered.

However, insurance usually does not cover roof issues caused by normal wear and tear, lack of maintenance, or an old roof reaching the end of its lifespan. For example, if shingles are curling because they’re 25 years old, that’s considered routine aging rather than storm damage - and it is unlikely to be covered by your policy.

Understanding the Roof Insurance Claim Process

Once you notice roof damage and get in touch with your insurance company, you can generally expect the process to go as follows:

1. Filing the Claim

After you report the damage, your insurance provider will open a claim and give you details on the next steps. 

This usually includes scheduling an inspection and explaining what documentation they’ll need from you.

2. Inspection by an Insurance Adjuster

Your insurance company will send an adjuster to your home to examine the roof and confirm the cause of damage. 

They’ll take photos, measurements, and notes to determine whether the damage is covered and how extensive the repairs need to be.

3. Independent Roofing Estimate

While the adjuster provides the insurer’s perspective, it’s smart to also have a trusted PA roofer, like Solarshield, perform an independent inspection. This guarantees nothing is overlooked and helps you understand the realistic costs of repair or replacement.

4. Claim Review and Approval

Your insurer will review the adjuster’s report (along with any other documentation you provide) and then decide whether to approve your claim. If approved, they’ll outline what’s covered and issue payment, minus your deductible.

5. Choosing Your Roofing Contractor

With the insurance payout in hand, you’ll select a contractor to perform the work. It’s generally best to choose a PA roofing company that understands the insurance claims process, as your insurer may request additional documents along the way.

6. Roof Repair or Replacement

Finally, your roof gets repaired or replaced. A quality contractor will handle the project efficiently and according to code, giving you peace of mind that your home is fully protected once again.

Need Help? Contact Our Experienced PA Roofers

Whether you have just noticed some damage after a storm or you’re ready to move forward with your insurance funds, Solarshield is here to help. Our Pennsylvania roofers have been repairing and replacing roofs across the state for years - and we know the insurance claim process inside and out. Reach out today to set up your free consultation and let our team take the stress out of getting your roof back in shape.