How Insurance Claims Work for Roof Replacements
If a storm, hail, or another event has damaged your roof, your homeowner’s insurance might pay for a replacement. Understanding how the insurance claim process works can help you avoid stress and make sure you get the full benefit of your coverage. Here’s what you need to know:
1. Assess the Damage
After a major storm or event, inspect your roof for signs of damage—missing shingles, visible leaks, dents from hail, or debris impact. If you're unsure, it’s best to contact a roofing professional for a free inspection. A trained contractor can spot damage that might not be obvious to the untrained eye.
2. Contact Your Insurance Company
If damage is confirmed, call your homeowner’s insurance provider to start a claim. They’ll assign an insurance adjuster to inspect your property and assess the extent of the damage. Starting this process quickly is important—some policies have time limits for filing.
3. Schedule a Roof Inspection With a Contractor
Having a licensed and experienced contractor is important. For example, SR Contractors can meet with the adjuster during the inspection. This helps ensure that we overlook nothing. We can help advocate on your behalf and provide accurate estimates that align with the actual damage.
4. Receive the Insurance Estimate
Your insurance company will provide a damage report and cost estimate for repairs or replacement. This will outline how much they’re covering based on your policy, minus your deductible.
5. Understand the Payment Process
Most insurance policies pay out in two parts:
ACV (Actual Cash Value): The initial check based on the depreciated value of your roof.
RCV (Replacement Cost Value): RCV pays to fix or replace your damaged property with a new one. It does not consider depreciation.
Note: You are responsible for paying your deductible, and Texas law prohibits contractors from waiving it.
6. Schedule the Roof Replacement
Once the claim is approved, you can move forward with the replacement. A trusted contractor will help you choose materials, set a timeline, and explain what to expect. Then, they will start restoring your roof.
7. Final Inspection
Once the roof replacement is complete, it’s a good idea to conduct a final inspection. This can be done by your contractor or a third-party inspector. They will check for any issues, ensuring that everything meets local building codes and your insurance requirements. If any problems are found, they should be addressed promptly to avoid future complications.
9. Review Your Warranty
After the installation, take the time to review the warranty provided by your contractor. This warranty typically covers both the materials and the workmanship. Understanding the terms and conditions will help you know what is covered and for how long. Keep this document in a safe place, as it may be needed for future repairs or claims.
10. Update Your Insurance Policy
Once your roof replacement is complete, contact your insurance company to update your policy. Inform them of the new roof and any changes in value. This ensures that you have adequate coverage in case of future claims and may even lead to lower premiums.
11. Maintain Your New Roof
To extend the life of your new roof, regular maintenance is essential. Schedule periodic inspections, especially after severe weather events. Clear debris from gutters and downspouts, and check for any signs of damage or wear. Addressing small issues early can prevent costly repairs down the line.
12. Enjoy Peace of Mind
With your new roof in place and everything settled, you can enjoy peace of mind knowing that your home is protected. A well-maintained roof not only enhances the appearance of your home but also adds to its overall value. Take pride in your investment and feel secure in your living space.
Why Choose SR Contractors for Insurance Work?
We have extensive experience working with insurance claims across Texas. We will help you with every step of the process. We will talk directly with your adjuster when needed. We will ensure that your new roof meets the highest standards.
Need Help With a Claim?
If you suspect roof damage, don’t wait. Contact SR Contractors & Building Consultants for a free inspection and expert guidance through your insurance claim. We’re here to make the process smooth and stress-free.