A roof claim goes more smoothly when you document early, understand your policy, and keep records of every contact. Here is the process most homeowners follow.
The steps
- Stay safe and protect the home. Cover openings or move belongings if you can do it safely. Keep receipts for emergency repairs.
- Document the damage. Take dated photos and video of the roof from the ground, interior damage, and any storm debris. Note the date and time of the storm.
- Read your policy. Check the deductible, whether you have replacement cost or actual cash value, and any deadlines.
- Get an independent inspection. A roofer or inspector can document damage you cannot see from the ground.
- File the claim. Report it to your insurer by phone, app or online. Write down the claim number.
- Meet the adjuster. Be present if you can, share your photos and inspection report, and ask what they are recording.
- Review the estimate. Compare the insurer’s estimate with your roofer’s scope, line by line.
- Repair and close out. Complete the work, send final invoices, and collect any held back depreciation.
Your documentation checklist
- Photos and video with dates
- Storm date and local weather report
- Inspection report
- Claim number and adjuster contact details
- Log of every call and email
- Receipts for emergency repairs
If the claim goes wrong
Denied or underpaid claims have options. See our partner guide to roof claim denials. This page is general information, not legal advice.
Common questions
How long do I have to file a roof claim?
Deadlines are set by your policy and state law and vary widely. Many policies require prompt notice after a loss, so report damage as soon as you find it.
Should I get a roof inspection before I file?
An independent inspection helps you understand the damage and document it. It does not replace the insurer's own inspection by its adjuster.