Roof Insurance Claim Process

Have you had a recent storm, downed tree, or catastrophic event that has left your roof damaged and in need of replacement? Roof insurance exists for these very scenarios but successfully getting a roof insurance claim approved is no easy feat! 

Dealing with a roof insurance claim can be overwhelming and frustrating, but with Top Level Roofing by your side, the process becomes significantly easier. From initial inspection and documentation to negotiation and repairs, our expertise simplifies the entire journey. Entrust your claim to Top Level Roofing and you can confidently trust in our ability to handle the insurance company on your behalf while you focus on getting your life back to normal with as little stress as possible. With Top Level Roofing working on the process, you’ll get the peace of mind you deserve and a reliable roof replacement to top it all off! It all starts with understanding the roof insurance claim process, so let’s dive in!

Process Of Getting New Roof Through Insurance

Step 1: Review Your Roofing Insurance Policy

Familiarize yourself with the terms and coverage of your insurance policy. It’s important to know what types of roof damage are covered, your deductible, and any limitations or exclusions. Having detailed knowledge on these aspects of your insurance coverage will give you a clearer idea of the level of coverage you can expect from your insurance company. If the legal jargon is confusing, give Top Level Roofing a call and we can break it all down for you.

Step 2: Notify Your Insurance Company

Contact your insurance company as soon as possible to report the roof damage. Determine what kind of roofing inspection is required to proceed with a claim. Provide them with as many accurate details about the damage as possible and be prepared to answer any questions they may have regarding the incident.

Step 3: Assess the Damage

The next step is to assess the extent of the roof damage. Many insurance companies will require either a professional inspection and send their own adjuster for this, so check with your insurance company before conducting an inspection yourself or hiring anyone. Documentation of the damage is imperative. Clear photographs and detailed written descriptions of the damage will help support your claim. 

Step 4: Obtain Multiple Contractor Quotes & Negotiate the Claim

While waiting for the adjuster’s assessment, it’s a good idea to have a few reputable roofing contractors provide an estimate for the work. Then, when you receive the estimate and assessment from the insurance company, you’ll be able to negotiate with the insurance company to ensure that you receive fair compensation for the required work. You’ll likely have to pesent the contractors’ quotes as evidence of the actual costs involved in the repairs or replacement. 

Step 5: Claim Approval and Begin Repair/Replacement

Once the insurance company approves your claim, be sure to review the details carefully to be sure that their estimated coverage is acceptable. If you agree with the terms, notify your insurance company in writing that you approve the claim. Be sure to keep any and all communication throughout the entire company. Then the work can begin! Choose your roofing contractor and schedule the repairs or replacement of your roof.

How Do I Make a Successful Roof Insurance Claim?

This may leave you with a lot of roofing insurance claim questions such as, should I file an insurance claim for my roof? Will insurance cover a 20 year-old roof? How long do I have to file a claim for roof damage? Will insurance cover a 15 year-old roof? Will my homeowners insurance go up if I file a roof claim? 

Those questions are just the tip of the iceberg, so the stress surrounding roofing insurance claims can be high. The easy solution is to let the pros handle your roof insurance claim for you, which is exactly what Top Level Roofing does! We take care of fighting with the insurance company for you every step of the way and our track record of successful claims speaks for itself. When you need to file a roof insurance claim in Jackson, MS and surrounding areas, contact Top Level Roofing. We’ll make the entire process easy!