roof insurance claim process

If you suspect damage to your roof, the first question you may be asking is whether or not to contact your insurance.

If you’ve never gone through filing an insurance claim and the necessary paperwork, it may seem daunting, but we’re here to help you get through the roof insurance claim process and restore your home back to normal.

Step by Step Roof Insurance Claim Process

Let’s walk through 7 simple steps you can follow when facing an insurance claim:

#1 – Assess the Damage

Following a weather event like storm, tornado, or hurricane, you may be wondering about the damage to your home. After making sure that everyone is safe, you’ll likely want to document the damage.

Always do this from the ground, as some damage and older roofs may look fine at first glance but be unsafe upon inspection. If you can’t see the damage to your roof, contact a local roofing contractor to complete the assessment.

If it’s safe, first check your roof, siding, gutters, and windows. Make a note of any areas where coverage is disrupted, like a tear or missing siding and shingles.

Second, check for roof leaks that may be noticeable inside your home. This could be obvious water dripping onto your belongings or look like small water stains around the ceiling.

Both of these steps are important to complete as soon as possible. Even minor damage can turn into something more significant if not addressed quickly.

#2 – Document What you Found

Roof damage and other damage to your home can change, so documenting what you see right away is essential. Once you’ve completed step #1, go back to areas you noticed and write down details of what you see. Insurance claims adjuster will typically request information about the damage before they come out, so having a list for when you call is helpful. As insurance company may reject your claim right away.

If possible, take pictures of all the areas you confirmed or suspect may be damaged. Hail damage, missing roof tiles or shingles, etc. are all things to share with your roofing company and insurance claims adjuster. Specific home insurance policies and companies may also allow you to upload your photos to a portal and expedite the claim.

#3 – Call a Trusted Roofing Contractor

A second check by a roofing company as soon as possible is important. At CCI, we offer free, no-obligation assessments that can confirm what you recorded and uncover any hidden damage.

We’re skilled at inspecting various roof material, assessing the type of roof damage that may have occurred, and supporting you through your roof damage claim.

Our team can provide estimates for repair or replacement and can recommend the best solutions for homeowners. We can also meet with your insurance company to assist with the insurance claims process and complete any labor necessary for quality roof repairs or replacement quickly.

Our goal is to get you and your family back to normal as soon as possible. If your home has been damaged by wind, hail, falling trees, or anything else, CCI is here to help.

#4 – Call Your Homeowner’s Insurance

If possible, have a copy of your insurance policy handy before you start your homeowners insurance claim. Reviewing your coverage will help you understand your coverage for a storm or natural disaster and your deductible for a new roof, repair, and more. Mortgage companies require homeowners insurance policies, so if you’re not sure where to look, contact your mortgage  company. They typically have the name of your insurance company on file.

The replacement cost value (or RCV) of your home or roof damage is one way that insurance claim can come into play. This simply means the value of the roof at the time it is to be replaced, including depreciation.

Actual cash value (ACV) is another coverage option that takes into account the cash value of the roof, for example, at the time of loss. If you have a new roof, this may be close to what you paid. If you have a roof that is ten years old, it could be what you paid minus ten years of lost value. In that case, if your roof has a life expectancy of 20 years, you may receive 50% of the original value.

#5 – File a Claim

The next step is to file a claim. Your insurance provider will let you know what’s necessary to get started. They will typically ask for the details you collected in steps one and two and let you know what may be covered. They’ll also likely set up a time for an insurance adjuster  to come and assess the damage in person.

#6 – Meet with an Adjuster

Your insurance claims adjuster will likely meet with you in person at your property. You may also wish to have your roofer present during the meeting. The insurance adjuster is there to help communicate with your insurance company, so the more input they receive, the better. The information they collect will help determine the coverage and the replacement cost.

#7 – Start Repairs

This is the step you have been waiting for! During step seven, your roofing contractor will be able to get to work and put your home back in operating order.

Roof repair

If you choose CCI, we’ll not only do quality work and provide exceptional service, but we’ll also keep you updated throughout the process and work with your insurance company every step of the way. Our goal is to make sure that you have the information you need to file a claim & get reimbursed – An expert team that will get your life back to normal as soon as possible.

If your home has storm damage and is in need of repairs, call us today at 703-754-9551 to learn more about how we can help you. We offer free roof inspection on all our roofing services, and we’ll help you understand the insurance claims process so you can easily make a claim with your insurance company. We offer all our services in Haymarket, Chantilly, Manassas, and the surrounding areas.

Still Have Questions? Keep Reading for Some Frequently Asked Questions (and answers):

Should you start repairs before talking to your insurance?

No. Here’s why. We want to make sure that your insurance company covers as much as possible, and that requires following your insurance policy guidelines. Some insurance companies require that you work with a designated contractor so paying someone directly before you know that could result in a lack of reimbursement. You could also replace your roof only to find out later that you were only approved for repairs.

Lastly, you may get a direct insurance check from some companies, while others may pay the roofer directly. Getting your money back could be a hassle if you’ve already paid in full. It’s best to wait until you know exactly how your insurance company works and how they’ll cover the cost before you start repairs.

How Do you Protect Your Home Before Repairs?

If you’re waiting to get approval from your insurance company or meet with your adjuster, you may be wondering what to do in the meantime to protect your home and belongings from damage. Often the best solution is to cover your roof with a tarp. A local roofer, like CCI, can help you protect your home from roof damage, while you wait for repairs.


Call us today at 703-754-9551 or contact us online to get assistance with your roof insurance claims process and a free roof inspection on the repair services you need. We offer all our services in Haymarket, Chantilly, Manassas, Ashburn, Leesburg, Sterling, Centreville, Reston, Gainesville, Bristow, and throughout the surrounding areas.

We offer more than just roofing – check out our other services below:

Why Choose Us?


20+ Years of Experience

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