Filing a Roofing Insurance Claim: What Homeowners Need to Know

A severe storm just rolled through, and now you’re staring at shingles in your yard — or worse, a leak in your ceiling. It’s a stressful moment, and you may be wondering what to do next. Fortunately, if your roof damage is covered by your homeowner’s insurance, you may not have to shoulder the cost alone.

At Legacy Roofing, we’ve helped countless homeowners navigate the roofing insurance claim process after wind, hail, and storm damage. Here’s what you need to know to make the process as smooth and successful as possible.

🏚️ Step 1: Identify Signs of Roof Damage

After a major storm, inspect your home (safely) for signs of roof damage. Even if you don’t see interior leaks, your roof may still be compromised.

Look for:

• Missing or curled shingles

• Hail dents on shingles, gutters, or metal vents

• Damaged flashing or lifted shingles

• Debris on the roof or in gutters

• Water spots on ceilings or walls inside the home

If you’re unsure, schedule a professional roof inspection — which many roofing companies, like Legacy Roofing, offer for free.

📸 Step 2: Document Everything

Before making any temporary repairs, take clear photos or videos of the damage. Include:

• Wide shots of the roof and property

• Close-ups of specific damage (shingles, siding, flashing, etc.)

• Interior damage like ceiling stains or wet insulation

This documentation helps support your insurance claim and creates a clear timeline.

☎️ Step 3: Contact Your Insurance Company

Once you’ve confirmed damage, notify your homeowner’s insurance provider. They’ll typically:

• Assign a claim number

• Send out an adjuster to inspect the damage

• Review your policy for coverage details

💡 Important: Filing a claim does not guarantee approval. That’s why it’s helpful to have a roofing expert on your side during the inspection.

🛠️ Step 4: Schedule a Roof Inspection with a Reputable Roofing Contractor

A licensed, local roofing contractor can:

• Assess the damage thoroughly

• Provide a professional estimate

• Be present when the adjuster inspects your roof

• Advocate for the repairs or replacement you need

At Legacy Roofing, we understand the language and process of insurance claims and can help ensure your adjuster doesn’t miss critical issues that could affect your home’s future.

📑 Step 5: Review the Insurance Estimate

After the adjuster’s visit, your insurer will provide a scope of work and an estimate for repairs or replacement. This may include:

• Your deductible

• An initial payment (ACV — Actual Cash Value)

• A final payment (RCV — Recoverable Cash Value) after work is complete

If anything seems inaccurate or underquoted, your roofer can work with your insurer to request supplements or corrections.

🧱 Step 6: Schedule the Roof Work

Once your claim is approved, your roofing contractor can get started. Be sure to:

• Choose a licensed and insured contractor

• Confirm project details in writing

• Avoid “storm chasers” offering quick, cheap fixes with no local presence

With Legacy Roofing, you’ll get honest timelines, quality materials, and expert craftsmanship — all backed by warranty.

💬 Frequently Asked Questions

Q: Will filing a roofing claim raise my premiums?

A: Not always. Weather-related claims typically don’t impact your rates like liability claims do, but check with your insurer.

Q: What if my claim is denied?

A: You can request a second inspection or appeal. Having a roofer who understands insurance processes can help.

Q: How long does the process take?

A: It varies by insurer and damage level but typically takes 1–3 weeks from inspection to approval, with repairs scheduled shortly after.

🏠 Let Legacy Roofing Help You Through the Claim Process

Navigating roof repairs after a storm doesn’t have to be overwhelming. At Legacy Roofing, we work with homeowners across [your region] to inspect damage, document findings, communicate with insurance adjusters, and deliver long-lasting, worry-free roof replacements.

📞 Contact us today for a free inspection and expert help with your roofing insurance claim. We’re here to protect your home — and your peace of mind.