Roof damage can feel like a nightmare. Whether it’s caused by a violent storm, hail, falling debris, or just time, replacing your roof isn’t cheap. But if you’re a homeowner with insurance, you may not have to cover the entire cost on your own.
In this detailed guide, you’ll learn exactly how to get insurance to pay for roof replacement, from documentation and inspections to dealing with insurance adjusters and knowing what to do if your claim is denied.
Why Roof Damage Coverage Matters More Than Ever
Severe weather events are increasing across the U.S., including in Louisiana. As storms get more intense, more homeowners are filing roof insurance claims than ever before. But many still get denied or underpaid because they don’t follow the correct steps or don’t know how to deal with insurance adjusters.
This guide walks you through the process in plain language so you don’t miss anything important.
Step 1: Know What Your Homeowners’ Insurance Policy Covers
Understanding what your insurance includes and excludes is the first step. Most homeowners’ insurance policies cover damage that is sudden, accidental, and caused by:
- Wind and hailstorms
- Fallen trees or flying debris
- Fire and smoke
- Vandalism or theft
- Lightning strikes
However, insurance won’t usually cover damage caused by:
- Normal aging or wear and tear
- Lack of routine maintenance
- Poor workmanship or prior DIY repairs
- Leaks that developed slowly over time
Pro Tip: Look for two things in your policy: whether it offers Actual Cash Value (ACV) or Replacement Cost Value (RCV).
- ACV pays the depreciated value of your roof.
- RCV pays for a full roof replacement minus your deductible.
If you’re unsure about your policy, speak with your insurance agent or ask your roofing contractor for help understanding what your coverage includes.
External Resource: How to File a Homeowners Claim
Step 2: Act Fast and Schedule a Roof Inspection
As soon as you notice damage or after a big storm rolls through, schedule a professional roof inspection. Insurance companies expect prompt action, and delays can hurt your claim.
Here’s what to do:
- Take clear photos of any visible damage.
- Document the date of the storm or event that caused the damage.
- Record any leaks or interior water damage.
- Schedule a free roof inspection with a trusted contractor.
You can easily book a free roof inspection with our certified team to assess storm or wind damage professionally.
Step 3: File a Roof Insurance Claim the Right Way
Now that your inspection is complete, it’s time to file your roof insurance claim. Accuracy and thorough documentation are critical.
What You’ll Need:
- Date and cause of the damage
- Detailed inspection report
- Photos of the damage (before and after if available)
- Receipts from emergency repairs
- A written estimate from your contractor
You can typically file your claim:
- Online via your insurance company’s portal
- By phone
- Through a mobile app
If the process feels overwhelming, our team offers insurance claim assistance to guide you step by step.
Step 4: Understand the Role of the Insurance Adjuster
Once your claim is submitted, your insurance company will assign an insurance adjuster to inspect your roof and determine whether the damage is covered and how much they’re willing to pay.
What Do Insurance Adjusters Look For on Roofs?
- Missing or lifted shingles
- Dents from hail
- Damaged flashing or vents
- Roof leaks or interior staining
- Structural damage caused by fallen limbs
You should always be present during the adjuster’s visit, and ideally have your roofing contractor there as well. That way, nothing gets overlooked or downplayed.
A contractor experienced in storm damage roof repair can advocate on your behalf during this inspection.
Step 5: Don’t Let a Denied Roof Insurance Claim Stop You
Not all claims get approved on the first try. If your roof insurance claim is denied, don’t panic; there are still options.
Common Reasons Claims Are Denied:
- Damage attributed to normal aging or neglect
- Inadequate documentation
- Filing outside the time window
- Disagreement over the cause of the damage
What to Do Next:
- Ask for the denial in writing
- Get a second opinion from another roofer
- Compare findings between your contractor and the adjuster
- File an appeal if you believe the claim was wrongly denied
- Hire a public adjuster or insurance claim expert for a reevaluation
External Resource: Settlement Process Insights After a Disaster
Remember: You have the right to dispute a claim decision and request an additional inspection or evaluation.
Step 6: Boost Your Chances of Getting Approved
The best way to ensure you get your roof replacement covered by insurance is by being proactive and prepared.
Here’s how to increase your approval odds:
- Schedule inspections immediately after any major weather event
- Keep all records, invoices, and communication logs
- Work with a licensed, local roofer who understands the insurance process
- Perform regular maintenance and keep a photo log of your roof’s condition
- Know your deductible and how it impacts your final payout
Even small repairs made after a storm can be reimbursed; save those receipts.
What to Expect from a Roof Insurance Payout
The amount of insurance that will be paid depends on your policy type:
- ACV Policy: You’ll receive the current market value of your roof minus depreciation and deductible.
- RCV Policy: You may receive a portion up front, then the remaining balance after proof of repair or replacement is submitted.
Example Breakdown (RCV Policy):
| Roof Replacement Cost | $18,000 |
| Deductible | $2,000 |
| Depreciation (initially withheld) | $5,000 |
| First Payout | $11,000 |
| Final Payout (after repair proof) | $5,000 |
| Total from Insurance | $16,000 |
| Out-of-pocket | $2,000 (your deductible) |
Need help understanding how much insurance will cover? Our roof replacement in Louisiana team offers accurate estimates tailored to your policy.
How Long Does the Roof Insurance Claim Process Take?
Typically, the process takes 2–6 weeks from filing to payout, but it can take longer if:
- Your claim is denied or disputed
- You live in a disaster area with lots of claims
- You have trouble getting documentation submitted on time
That’s why working with an experienced contractor can speed things up; they’ll make sure everything is submitted correctly and promptly.
Summary: Get Insurance to Pay for Your Roof With Confidence
Here’s a quick recap of how to get a new roof through insurance:
- Review your policy for coverage type and deductible
- Document storm damage immediately
- Schedule a roof inspection
- File a detailed claim with all evidence
- Meet with the adjuster with your contractor present
- Appeal if denied, and don’t hesitate to get help
- Track all repairs and invoices
- Follow up to collect your final insurance payment
Your roof protects everything you own. Don’t delay.
Book a Free Roof Inspection Today and let our team help you start the insurance claim process with confidence.
FAQs: Roof Replacement and Homeowners Insurance
How do I get my roof insurance to cover replacement?
You need to prove that the damage was caused by a covered event (like a storm), submit all documentation promptly, and work with a reputable contractor who knows how to deal with adjusters.
What do insurance adjusters look for on roofs?
Adjusters assess for hail bruises, missing shingles, water damage, flashing issues, and structural integrity. They also consider the age and condition of your roof before the damage occurred.
Can I claim roof damage on insurance?
Yes, as long as the damage is sudden and caused by a covered peril (e.g., wind, hail, or falling debris). Long-term deterioration or poor maintenance is usually excluded.
How much does insurance pay for a new roof?
This depends on your policy. ACV policies pay depreciated value, while RCV policies pay full replacement cost minus deductible. Some policies also have special deductibles for wind/hail events.
What do I do if my insurance denied my roof claim?
Get the denial in writing, request a second inspection, and appeal. If needed, work with a public adjuster or roofing contractor experienced in handling denied roof insurance claims.
