Roof Damage Claim FAQs

Roof damage can be difficult to see and often the signs of damage are hidden, hard to find or develop over time. Some signs to look for are darkened spots on the roof, knocked off roof granules and loose shingles. Also be aware of more noticeable damage such as water spots or stains on walls, in corners or around windows.Insurance company claim adjusters can be quick to deny roof replacements without conducting a thorough investigation.

Most, if not all, insurance contracts require claimants to mitigate or prevent further damage. You should take all necessary steps ASAP to prevent further damage to your roof and subsequently the interior of your home. Failing to do so could jeopardize your chances of collecting a settlement for your roof damage claim.

Request a certified copy of your insurance policy from your insurance agent or claim adjuster to learn all of your responsibilities during the insurance claim process.

Your insurance company may accept a claim for water damage but a viable roof damage claim is unlikely. Most insurance contracts contain a wear and tear exclusion as well as maintenance clauses. This means that items at the end of their intended lifecycle, or that have not been properly maintained, cannot be claimed.

If your roof is made of asphalt or similar materials then wind, snow and/or rain will gradually wash away the loosened granules on the roof, subsequently causing it to leak. We would recommend filing a claim with your insurance company ASAP.

Damage in and around roof systems can begin far from the area that is leaking. This is why it’s imperative the entire roof system be investigated by the insurance company claim adjuster. Get a second opinion from your own roof damage claim adjuster – an experienced public adjuster– if your claim has been denied.

Claim adjusters can incorrectly underpay and deny roof damage insurance claims. It’s your right to have your claim assessed, adjusted and settled in a fair manner. We can help.