How to Get a Roof Replaced with Insurance

Replacing a roof can be a big-ticket item, but if your roof has been damaged by a storm, hail, or a fallen tree, your homeowners insurance may cover the cost. Here’s a step-by-step guide on how to get your roof replaced with insurance. We’ll make this process as smooth as possible, minus the headache.

Assess the Damage

First things first, you need to determine if the damage is significant enough to file a claim. Storms, fallen trees, or even hail can leave your roof vulnerable. According to recent data, about 40% of all insurance claims are due to wind and hail damage . Asphalt shingles, the most common type of roofing material, often suffer from cracks, bruises, or complete loss after severe weather. You might even spot missing shingles in your yard after a storm.

Take a walk around your home and look for visible signs like damaged shingles or dented gutters. From the inside, check for water stains on your ceiling or walls—this could indicate hidden roof damage. Remember, you don’t want to wait too long, as delays could weaken your insurance claim.

Document Everything

Before contacting your insurance company, grab your phone and take clear photos of the damage. Include both close-ups of specific areas and wider shots that capture the whole roof. The more documentation you have, the stronger your case will be when you file an insurance claim. If possible, get a video as well—it’s easier to show the full extent of the damage that way.

Documenting damage inside your home is equally important. Water stains or leaks that have made their way indoors should be captured and included in your claim. In 2022 alone, homeowners reported over $17 billion in roof repair claims . This shows just how common roof damage is and why proper documentation is key to getting the full support you deserve.

Contact a Reputable Roof Contractor

Before you dial your insurance company, contact a reputable roofing contractor. At Knockout Home Solutions, we offer thorough roof inspections that will assess the true extent of the damage. A reputable contractor can give you an honest evaluation and determine if filing a claim is your best option.

Having a contractor’s report also helps if the insurance company downplays the damage. When it’s time for the insurance adjuster to inspect your roof, having the contractor present ensures no damage goes unnoticed. They’ll be your eyes and ears, backing up your claim with the facts.

File an Insurance Claim

Once you have all the necessary documentation and a professional inspection, it’s time to file a claim with your insurance company. Be prepared to provide the evidence you’ve gathered. When describing the damage, avoid being vague. Be specific—use terms like “storm damage” or “hail impact” to ensure clarity.

Most insurance companies will require you to file within a certain timeframe after the incident, so act fast. If you’re unsure how to start the claim, many contractors, like Knockout Home Solutions, can guide you through the process. Having an expert by your side will make the paperwork less of a headache.

Meet the Insurance Adjuster

Once your claim is in, your insurance company will send an insurance adjuster to assess the damage firsthand. It’s crucial to have your roofing contractor present during this inspection. The adjuster will be looking to verify the extent of the damage and estimate repair costs, but sometimes they may overlook certain issues. Your contractor can advocate for you and point out any areas that need attention. Think of it like having your mechanic go with you to buy a car—they know what to look for and can help negotiate a fair deal.

A report will follow from the adjuster, detailing their findings. This report is the basis for your claim’s approval, so make sure it’s accurate. If anything seems off, speak up—don’t be afraid to push back for a better evaluation.

Review the Claim Approval

After the adjuster’s visit, you’ll receive a claim report from your insurance company. This outlines what they’re willing to cover and how much they’ll pay. It’s critical to review this carefully. If the claim is approved, it should cover the cost of replacing your roof, minus the deductible. Be sure to compare the contractor’s estimate to what the insurance company offers. Sometimes, insurance payouts fall short of what’s needed for a full replacement. In cases like this, your contractor can help negotiate for additional coverage.

According to the Insurance Information Institute, the average roof replacement claim is around $8,000, depending on the size of the roof and the materials used.

Watch Out for Storm Chasers

After major storms, you might notice a flood of contractors showing up at your door. These “storm chasers” are often less concerned with quality and more focused on making a quick buck. They typically offer to handle your claim process, but their repairs often lack the necessary craftsmanship to ensure long-term durability. It’s always better to hire a local, reputable company like Knockout Home Solutions, who can provide reliable service for the long run.

Get the Work Done

With your claim approved, it’s time to replace your roof. Work with your chosen contractor to schedule the installation, and make sure you’re clear on the timeline and process. A reputable roofing contractor will handle everything, from pulling permits to cleaning up debris once the job is done.

At Knockout Home Solutions, we oversee every part of the project to make sure it’s done right and on time. No cutting corners, no surprises—just a sturdy roof to keep you safe.

Final Inspection and Payment

Once the new roof is installed, your insurance company may require a final inspection before closing out the claim. After the inspection is approved, you’ll receive the final payment. Be sure to keep all receipts and documentation from the job for your records. If there are any hiccups, you’ll want those papers handy.

A Word on Deductibles

Remember, you’ll need to pay your deductible out of pocket. The average deductible for roof claims is around $500 to $2,000 depending on your policy. If a contractor offers to “waive” your deductible, that’s a red flag. Waiving deductibles is often illegal and could lead to trouble for you down the road.

Maintenance Tips After Replacement

Once your new roof is in place, regular maintenance is key to keeping it in top condition. Schedule annual roof inspections to spot minor issues before they become big problems. Routine checks will prolong the life of your roof and save you money in the long run.

Final Thoughts

Getting your roof replaced with insurance can seem like a daunting process, but it’s manageable if you know what to do. Act fast, document everything, and work with professionals to get the most from your claim. If you’re in Pittsburgh or surrounding areas like Wexford, Cranberry, or Mars, Knockout Home Solutions is ready to help with your roofing needs. Visit our roofing services or roof replacement page for more details.

Don’t let a damaged roof rain on your parade. With the right approach, you’ll be back under a sturdy, leak-free roof in no time.