Man reviewing his homeowners insurance claim after roof damage

Navigating Roof Insurance Claims

Know when to contact your homeowners insurance company

Homeowners insurance policies typically cover damage that is sudden and accidental, from causes like fire and smoke; hail; wind; and the weight of snow, ice, or sleet.

Best practices for filing a roof insurance claim

Once you decide to file a claim, call your insurance company and inform them of the incident. Once your claim is filed, the insurance company will determine if the damage will be covered under your insurance policy.

Clock icon, representing being prompt in your roof repair claims
Camera icon, representing the need to document all roof damage for your claim
Hammer icon, representing temporary repairs that may be needed for your roof damage claim
Person icon, representing homeowner insurance claim adjuster who will evaluate your roof damage claim

What do insurance adjusters look for on roofs?

Your insurance adjuster will look for evidence that damage is recent or sudden, as opposed to standard wear and tear, and that the damage is covered by your policy. It can help to have an estimate in hand when meeting with the adjuster.

GAF certified contractor outside home getting a new roof

The right contractor may help with the insurance process

In some cases, it may be a good idea to have a roofing contractor meet the adjuster at your home to show what damage they have identified.

Tips for finding a roofer

Supplementing your insurance payment to get the roof you want

The addition of personal credit or financing may help you upgrade your roof to a style or material that better suits your tastes.

Watch the Understanding Your Insurance Policy video series


The deductible is often a fixed dollar amount – usually $500 to $2,000, but it can be higher – or it may be a percentage of the home’s insured value. Typically, insurers will subtract your deductible from the settlement amount when they issue payment.
Out-of-pocket costs

With homeowners insurance, the deductible is one type of out-of-pocket cost each time you file a claim.
Open Peril vs Named Peril

The most common type of homeowners insurance is an HO-3 policy. HO-3 policies typically have open perils coverage on the structure of a house and named perils coverage for your personal property.
Lines of coverage

There are four common things covered under a typical homeowner’s policy: Dwelling, Separate or Other Structures, Personal Property, and Additional Living Expense or Loss of Use.

ACV vs Replacement Cost

Actual Cost Value   or ACV — is a measure of the value of insured property. Replacement cost is the actual cost to replace an item at its pre-loss condition, whereas ACV is calculated by subtracting an item’s depreciation from its replacement cost.
Insurance depreciation

Generally, depreciation is calculated by evaluating an item’s Replacement Cost Value (RCV) and its life expectancy. The condition of an item may also factor into the depreciation calculation.

Frequently Asked Questions

What is considered roof damage?

Roof damage is a condition caused by an external force, such as impact or severe weather, that is separate from wear and tear.

What happens if I have partial roof damage?

In cases where only a portion of the roof has been damaged, your insurance carrier will assess whether to cover cost to repair those sections, or to replace the entire roof.

How can I avoid hidden costs for my roof repairs?

Get a detailed estimate from a manufacturer-certified roofing contractor, and make sure it includes costs for tear-off (if necessary) all materials, labor, clean-up, and disposal.

Does homeowners insurance cover roof leaks?

Home insurance will typically cover roof leaks caused by sudden damage, but not leaks that have developed over time because of normal wear and tear or aging.

How long does the roof replacement process take?

Getting a new roof can be easy when you know where to start. Follow these steps for making the experience a great one.