Roofing Insurance Claims Guide

Filing an insurance claim for roof damage can feel overwhelming, especially after a stressful storm event. This guide walks you through the process step-by-step to help you get the coverage you deserve.

Before You File: Preparation

Document Everything

Good documentation is crucial for a successful claim:

• Photos and videos of all visible damage (exterior and interior)
• Date and time of the storm or damage event
• Weather reports - Save news coverage or weather service data
• Neighbor reports - Note if neighbors also have damage
• Previous records - Know your roof's age and any prior repairs

Get a Professional Inspection

Before calling your insurance company, get a free inspection from a reputable roofing contractor. A professional assessment will:

• Identify all damage (including what's not visible from ground level)
• Provide detailed documentation with photos
• Give you an estimate of repair costs
• Help you understand if a claim is worthwhile

Step-by-Step Claims Process

Step 1: Review Your Policy

Before calling, understand your coverage:

• Deductible amount - Your out-of-pocket cost
• Coverage type - Replacement Cost vs. Actual Cash Value
• Exclusions - What's not covered
• Filing deadline - Time limit to report damage

Step 2: File the Claim

Contact your insurance company to start the process:

• Have your policy number ready
• Describe the damage and cause (storm date, type of damage)
• Provide your contact information
• Ask for a claim number and adjuster contact info
• Request a written summary of the claim

Step 3: The Adjuster Inspection

Your insurance company will send an adjuster to assess the damage. This is a critical step:

• Be present during the inspection if possible
• Have your contractor present - They can point out all damage
• Provide documentation - Share your photos and contractor's report
• Take notes - Document what the adjuster says and sees
• Ask questions - Understand their assessment process

Step 4: Review the Estimate

After the inspection, you'll receive a damage estimate:

• Compare it to your contractor's estimate
• Look for items that may have been missed
• Understand line items and pricing
• Note any disputed items

Step 5: Negotiate if Needed

If the initial estimate seems low, you have options:

• Request re-inspection with your contractor present
• Submit a supplement for additional damage found
• Provide additional documentation supporting higher costs
• Escalate to a supervisor if needed
• Hire a public adjuster for complex claims

Step 6: Complete Repairs

Once approved:

• Review and sign the contractor agreement
• Understand payment schedule (insurance typically pays in installments)
• Keep copies of all documents
• Final payment often requires completion inspection

Replacement Cost vs. Actual Cash Value

Replacement Cost Value (RCV)

Covers the full cost to replace your roof with similar materials, without deducting for depreciation. This is the better coverage:

• Initial payment: Actual Cash Value
• Recoverable depreciation: Paid after repairs are completed
• You get the full replacement cost (minus deductible)

Actual Cash Value (ACV)

Covers replacement cost minus depreciation. With an older roof, this can leave you paying significant out-of-pocket costs.

Common Claim Mistakes to Avoid

• Waiting too long to file - Report damage promptly
• Not documenting damage - Photos are crucial
• Accepting the first offer - You can negotiate
• Making permanent repairs before inspection - Only do temporary fixes
• Not reading your policy - Know your coverage
• Trusting storm chasers - Use reputable local contractors

Working With Your Roofing Contractor

A good contractor is your partner in the claims process:

• They should provide detailed documentation
• They can meet with adjusters on your behalf
• They know how to write proper supplements
• They understand insurance pricing (Xactimate)
• They won't pressure you to commit before approval

If Your Claim is Denied

A denial isn't necessarily the end:

1. Get the denial in writing with specific reasons
2. Review your policy to understand coverage
3. Request a re-inspection with additional documentation
4. File an appeal through your insurance company
5. Contact the Colorado Division of Insurance if needed
6. Consult an attorney for significant disputes

Colorado-Specific Information

• Filing deadline: Typically 1 year from damage date
• Deductibles: Often 1-2% of home value for hail
• Consumer Protection: Colorado Division of Insurance (DOI)
• Contractor Licensing: Verify at DORA website