Review your homeowners insurance policy for roof coverage, exclusions, deductibles, and claim deadlines
Document the roof damage with clear photos and videos from multiple angles
Note the date, time, and cause of the damage if known
Protect the roof from further damage with temporary repairs and keep all receipts
Contact your insurance company promptly to start the claim
Request a copy of the claim process and any required forms
Schedule the insurance adjuster inspection as soon as possible
Be present during the inspection if you can
Point out all visible damage, including shingles, flashing, gutters, vents, and interior leaks
Provide maintenance records, repair history, and any prior inspection reports
Get an independent roof inspection from a licensed roofer
Obtain a detailed written estimate for roof replacement
Compare the roofer’s estimate with the insurer’s estimate
Submit all requested documents quickly and keep copies of everything
Follow up regularly with the claims adjuster
Dispute any low estimate with supporting evidence and contractor documentation
Ask for a reinspection if damage was missed
Escalate the claim to a supervisor or claims manager if needed
Hire a public adjuster if the claim is complex or underpaid
Keep records of all calls, emails, letters, and claim notes
Do not sign a final settlement until you understand the payment terms
Use the insurance payment for the approved roof replacement work
Meet all policy requirements and deadlines throughout the claim process