Homeowners reviewing roof damage insurance claim forms
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Roof damage insurance claims

Know when to contact your homeowners insurance company with a roof claim

Homeowners insurance policies typically cover damage that is sudden and accidental. A homeowners insurance policy can provide coverage for three major types of damage: the structure of your house, your belongings, and your personal liability for injury and property damage to others. The only way to know for certain what coverage you have is to read your homeowners insurance policy.

Some roof damage causes that insurance may cover

Cloud with hail icon


Events like lightning, wind, or hail. Damage from the weight of snow, sleet or ice.
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Storm debris including fallen trees
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Damage caused by fire
Roofing contractor outside home discussing roof insurance claim

How a contractor can help with your claim

Your insurance adjuster will look for evidence that damage is recent and covered by your policy.

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.
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Homeowner Insurance Basics

View the steps to filing an insurance claim.

Best practices for filing a roof insurance claim


Be prompt

The longer it takes to repair your roof, the more likely it is to expose your home to further damage.

Document everything

Providing receipts, photos, a list, or a home inventory that confirms the value and description of roof and exterior damage will help the claims process run smoothly.

Make temporary repairs

Make sure that any openings or damage to the structure of your home won’t result in further damage. Make temporary repairs and hold onto the receipts.

Prepare for the adjuster

The adjuster’s job is to assess the damage and confirm details. Provide them with any documentation, like receipts, photos, or a home inventory.
GAF contractor obtaining payment for a new roof with a credit card

Credit cards or financing

Using a credit card may be a good solution to short-term cash flow gaps. Not all contractors accept credit cards — ask if yours does. Financing may also be an attractive option especially if you are considering other home improvements such as siding or gutters. Today many contractors can offer simple online application and multiple loan options.

Insurance key terms


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 homeowners insurance 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.


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

See storm resources

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.

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.

Understanding roof repair costs

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. Visit our blog to get more information.

Read blog article

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

Plan your roof

GAF resources to help contractors tackle the insurance restoration process

We offer resources to help contractors work with homeowners.

GAF QuickMeasure™

Get a GAF QuickMeasure™ report with accurate roof measurements and high-resolution imagery.
GAF QuickMeasure

GAF QuickSite™

Get a site specific data report that includes local codes or roof design criteria, up to 10 year wind and hail history, historical imagery and parcel data.
GAF QuickSite

GAF ScopeConnect℠

The service offers a complete insurance scope of work in an industry standard format.
GAF ScopeConnect

GAF WeatherHub

When severe weather affects your area, be prepared to serve and grow your customer base with this easy-to-use, all-in-one weather tool.
GAF WeatherHub