A Step-by-Step Guide to Filing Claims, Avoiding Common Mistakes & How The Roof Guys Can Help
When a storm rolls through and damages your roof, the stress of dealing with insurance can feel just as overwhelming as the damage itself. Understanding how roof insurance claims work—and how to avoid costly mistakes—can make all the difference. At The Roof Guys, we’re here to guide you through every step of the process and ensure your roof gets repaired quickly, correctly, and with as little hassle as possible.
Step-by-Step: How to File a Roof Insurance Claim
Assess the Damage After a storm, inspect your roof from the ground or attic (if safe to do so). Look for missing shingles, leaks, water stains, or visible impact damage from hail or debris.
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- Call a Professional Roofer First
Before contacting your insurance company, call The Roof Guys for a professional inspection. We’ll assess the damage and provide documentation, including photos and a detailed report. This step ensures you have a trusted expert’s opinion before your insurer sends an adjuster. - Review Your Policy
Not all policies cover the same things. Check for exclusions, deductibles, and the type of coverage you have (Actual Cash Value vs. Replacement Cost Value). - File the Claim
Contact your insurance company and provide the necessary details. They will assign a claims adjuster to inspect the damage. - Adjuster Inspection
We’ll work directly with your adjuster to ensure they see all the damage we’ve identified. This helps prevent overlooked issues that could reduce your payout. - Claim Approval & Scope of Work
Once the claim is approved, you’ll receive a scope of work document. The Roof Guys will compare it to our assessment to confirm everything is accounted for. - Repair or Replace the Roof
Our licensed and insured team will complete the work professionally and efficiently. We use high-quality materials and provide documentation needed for your insurance file. - Submit Final Documentation
After repairs are done, we’ll help submit all necessary paperwork to ensure your claim is closed and payments are processed.
- Call a Professional Roofer First
Common Mistakes Homeowners Make with Roof Insurance Claims
- Delaying the Inspection: Waiting too long can lead to further damage and may void coverage for the initial event.
- Calling the Insurance Company First: Without a roofer’s inspection, important damage may go undocumented, affecting your claim.
- Not Understanding Coverage: Many homeowners don’t realize their policy might not cover full replacement costs.
- Choosing the Cheapest Contractor: Low bids may mean cut corners. Insurance pays a fair market rate—choose a reputable, licensed roofer.
- Not Documenting Damage: Before-and-after photos, inspection reports, and invoices are key to protecting your claim.
How The Roof Guys Help with Claims & Repairs
As a trusted Central Florida roofing contractor, The Roof Guys are experienced in working with all major insurance companies. Here’s how we make the process easier:
- Thorough storm damage inspections
- Detailed photo documentation and reports
- Direct communication with your insurance adjuster
- Honest estimates that match real repair needs
- Assistance with paperwork and final claim documentation
- Licensed, insured, and factory-trained professionals
We don’t just repair roofs—we restore peace of mind. Need Help With a Roof Insurance Claim?
If your roof has been damaged by wind, hail, or storms, don’t wait. Contact The Roof Guys today for a free inspection and insurance assistance. We’ll guide you through the process and ensure your roof—and your home—are protected.
