Depending on why your roof was damaged, homeowners insurance may cover your repairs and replacement. Before you file any claim, review your insurance policy to make sure you’re covered for the damages.
When you confirm that your damages are insured, take the following steps:
Document the damage
Take pictures of the damage to your roof and contact your insurance agent as soon as possible. Your insurance policy may have time stipulations that must be met in order to file a claim. Ask your agent about temporary solutions while the roof is repaired to replaced. If you have to make temporary repairs on your own, save all the receipts to get reimbursed.
Get quotes from roofing companies
Call and compare prices for different roofing companies. If it is not safe to live inside your house due to the roof damage, save the receipts for all the living expenses you accumulate while you are away from home.
File a Claim
File a claim with your insurance company. Be as detailed as possible in your claim. When you file a claim, an adjuster will come out to inspect the reported damages. The adjuster may have the quote done that same day or the process make take a few weeks, depending on the severity of the damage.
Replace Your Roof
Replace your roof once your claim only after your claim is approved. If the claim is denied or you feel you the damage was not properly appraised, you can file an appeal with the insurance provider.