Roof Insurance Claims: What Homeowners Should Know

When a storm damages your roof, navigating the insurance claims process can feel overwhelming. Knowing the right steps to take can help you maximize your claim and ensure that your home gets the repairs it needs. At Family First Exteriors, we have helped countless St. Louis homeowners navigate roof insurance claims successfully. Here’s what you need to know.

1. Understanding What Your Insurance Covers

Before filing a claim, it’s essential to review your homeowner’s insurance policy. Coverage can vary, but most policies typically cover:

• Storm Damage – Hail, high winds, and falling debris are usually covered.
• Water Damage from Leaks – If caused by storm-related roof failure, your policy may cover repairs.
• Partial or Full Roof Replacement – Depending on the severity of the damage and your policy, you may qualify for a full roof replacement rather than just repairs.
• Exclusions – Normal wear and tear, poor maintenance, and pre-existing damage are usually not covered.

2. Steps to Take After Roof Damage

If your roof sustains damage, acting quickly can prevent further issues and make the claims process smoother:

• Document the Damage – Take clear photos and videos of all affected areas before making any temporary repairs.
• Prevent Additional Damage – Cover exposed areas with tarps or temporary roofing materials to mitigate further harm.
• Contact Your Insurance Provider – Notify them as soon as possible to begin the claims process.
• Schedule a Professional Inspection – A trusted roofing contractor can assess the damage and provide an estimate.

3. How to File Your Roof Insurance Claim

Understanding the claims process can help you avoid delays and maximize your payout:

• Submit Your Claim Promptly – Most insurance companies have time limits for filing claims after a storm event.
• Meet with the Adjuster – The insurance company will send an adjuster to inspect the damage and determine the coverage amount.
• Compare Estimates – Obtain a detailed estimate from a reputable roofing contractor and compare it with the adjuster’s assessment.
• Negotiate if Needed – If the insurance estimate is too low, provide additional documentation or request a re-evaluation.

4. Choosing the Right Roofing Contractor

Not all roofing companies are equipped to handle insurance claims properly. When selecting a contractor, consider:

• Local Experience – A St. Louis-based roofer understands the unique weather challenges and insurance policies in the area.
• Licensed and Insured Professionals – Ensure your contractor meets all legal requirements to perform the work.
• Assistance with Claims Process – A reputable roofing company can help you navigate the paperwork and communicate with your insurer.

5. Avoid Common Pitfalls in Roof Insurance Claims

Homeowners should be aware of potential pitfalls that could delay or jeopardize their claim:

• Storm Chasers – Beware of out-of-town contractors offering quick fixes after major storms.
• Insurance Fraud Risks – Avoid dishonest contractors who inflate claims or ask for cash payments upfront.
• Delaying Repairs – Procrastination can lead to additional damage that may not be covered by insurance.

Trust Family First Exteriors for Your Roofing Needs

Dealing with a damaged roof can be stressful, but you don’t have to go through the process alone. Family First Exteriors has years of experience assisting St. Louis homeowners with insurance claims and high-quality roofing repairs. Contact us today for a professional roof inspection and expert guidance on your insurance claim!