How to File a Roof Insurance Claim (Homeowner’s Guide)

Roof damage can be a stressful experience for homeowners. Whether it’s due to a severe storm, falling debris, or simply the natural wear and tear of time, knowing how to file a roof insurance claim can make the process smoother and less daunting.

Need to repair your roof after sudden storm damage?

But not sure how to go about it?

In this guide, we’ll walk you through a 5-step process to help you navigate the insurance claim journey with confidence. Let’s get started on the path to getting your roof repaired or replaced!

Inside this blog:

  • The 5 essential steps for filing a roof insurance claim 
  • Bonus tips and considerations to ensure your roof insurance claims process goes smoothly

Keep reading to smarten up and make sure that the next time you need to file a roof insurance claim, it’s a breezy process!

Step 1: Assess the Damage 🧐

Before you start the insurance claim process, it’s essential to assess the damage thoroughly. Here’s how to do it:

Safety First

Ensure the area is safe to access, especially after a storm or significant damage. Watch out for loose debris or structural instability. If you have any doubts about safety, wait until professionals arrive to assess the situation before attempting to inspect or address the damage yourself.

Document the Damage

Take clear photos and videos of the damage from various angles. Include both close-ups and wide shots to provide a comprehensive view. This visual evidence will be invaluable when filing your insurance claim, as it helps convey the extent and nature of the damage accurately.

Compile Evidence

Collect any additional evidence, such as weather reports, witness statements, or records of maintenance and repairs. This supplementary information can strengthen your insurance claim by providing context and supporting your case for coverage.

Prevent Further Damage

If possible, take steps to prevent further damage, like covering exposed areas with tarps or plywood. Temporary measures to secure your property can help mitigate additional harm while you await inspection and repairs, ultimately minimizing the overall cost and inconvenience of the damage.

Step 2: Review Your Insurance Policy 📜


Before filing a claim, review your homeowner’s insurance policy to understand what it covers. Key points to consider:

  • Coverage Type: Determine whether your policy covers the type of damage your roof has sustained, such as wind, hail, or tree damage.
  • Deductible: Be aware of your deductible amount—the portion you’re responsible for paying before insurance kicks in.
  • Claim Limitations: Check if there are any limitations on coverage, like a cap on the total payout for roof repairs or replacement.
  • Exclusions: Be aware of any exclusions that may apply, such as coverage limitations for roofs of a certain age or material type.
  • Claims Process: Familiarize yourself with your insurer’s claims process, including deadlines for reporting and documentation requirements.

Step 3: Contact Your Insurance Company 📞

Once you’ve assessed the damage and reviewed your policy, it’s time to contact your insurance company. Here’s what to do:

  • Gather Information: Have your policy number and documentation of the damage ready.
  • Call Your Agent: Reach out to your insurance agent or the company’s claims department. Explain the situation and provide details about the damage.
  • File a Claim: Follow the instructions provided by your insurer to formally file a claim. Be honest and accurate in your description of the damage.
  • Ask Questions: Don’t hesitate to ask questions about the claims process, the timeline, and what to expect next.

Step 4: Schedule an Inspection 🔍

After filing your claim, your homeowners insurance company will typically arrange for an inspection of the damage. Here’s what to expect:

Inspection Appointment

Expect a visit from a claims adjuster who will assess the damage and determine the scope of necessary repairs.


Be present during the inspection to answer questions and provide any additional information or evidence you have.

Request a Copy

Ask for a copy of the inspection report for your records.

Step 5: Review the Settlement and Repairs 🛠️

Once the inspection is complete, your insurer will provide a settlement offer based on their assessment. Here’s how to proceed:

  • Review the Settlement: Carefully review the settlement offer to ensure it covers the necessary repairs or replacement.
  • Negotiate if Necessary: If you believe the settlement is insufficient to cover the repairs, you can negotiate with your insurance company. Provide any additional evidence or quotes you have to support your case.
  • Accept or Decline: Once you’re satisfied with the settlement, you can accept it and proceed with repairs. If you decline, you may need to further negotiate or seek legal advice.

Additional Tips + Considerations

Let’s go over some helpful tips below to ensure you have a smooth-sailing roof insurance claim process the next time you have roof damage.

Keep Records

Maintain detailed records of all communication with your insurance company, including phone calls, emails, and written correspondence.

Multiple Estimates

Consider obtaining multiple repair or replacement estimates from reputable contractors to compare with the settlement offer.

Choose a Reputable Contractor


When it’s time to make repairs, select a licensed and insured roofing contractor with a solid reputation.

Be Wary of Scams

Watch out for roofing contractors who approach you unsolicited, especially after a storm. Verify their credentials and obtain multiple quotes.

Understand Depreciation

Some policies factor in depreciation for roof damage. Ensure you understand how depreciation affects your settlement.

File a Roof Insurance Claim Like a Boss 🏡

Filing roof insurance claims doesn’t have to be overwhelming. By following these steps and being proactive in documenting the damage, communicating with your insurance company, and reviewing your policy, you can navigate the process more smoothly. Remember that insurance policies and claim processes can vary, so it’s essential to understand your specific coverage and requirements.

In times of roof damage, having a clear understanding of the insurance claim process can help you get your home back in shape and protect your investment. Stay informed, be diligent, and don’t hesitate to seek professional guidance if needed. Your roof—and your peace of mind—will thank you! 

Get in touch with our expert team of roofing contractors at Kitsap Roof Pros today and we’ll answer all your questions and ensure your roof stays in top condition! Whether you need a few minor repairs or total replacement, we’re here to help!