How to Handle a Roofing Insurance Claim: The Right Way

Charming Memphis home with a newly installed roof covered by insurance.

Dealing with a roof insurance claim can feel overwhelming, but knowing what to expect makes all the difference. Here’s how to make sure you get the coverage you deserve and work with the right roofing company. (Psst, grab your notepad, This is basically a cheat sheet)

1. Understand Your Coverage

Before filing a claim, review your insurance policy to see what’s covered. Some policies cover full roof replacements, while others only cover certain types of damage. Knowing your coverage limits upfront helps avoid surprises later.

2. Document the Damage

Take clear photos and videos of the damage as soon as possible. The more evidence you have, the easier it will be to prove your claim. If a storm caused the damage, save any news reports or weather alerts as extra proof.

3. Contact Your Insurance Company ASAP

Most insurance policies require claims to be filed within a certain timeframe. Call your provider as soon as possible to start the process. They’ll send an adjuster to assess the damage and determine what they’ll cover.

4. Get a Professional Roof Inspection

Insurance adjusters work for the insurance company, not for you. Having a licensed roofer inspect the damage ensures you get an expert opinion and prevents anything from being overlooked. Many roofing companies, including Jolly Roofing and Repairs, offer free inspections.

5. Get Multiple Estimates

Don’t just go with the first roofing company you find. Get at least two or three quotes from reputable, licensed contractors. Compare pricing, timelines, and warranties to make sure you’re getting the best value.

6. Beware of Storm Chasers

After a big storm, out-of-town contractors often flood the area, offering quick fixes at too-good-to-be-true prices. Many disappear after the job is done, leaving you with shoddy work and no warranty. Stick with local, established companies with a solid reputation, not Chuck-in-a-Truck.

7. Ask About Warranties and Guarantees

A good roofing company will stand behind their work. Ask about warranties on both materials and labor. If a contractor won’t offer a warranty, that’s a red flag.

8. Stay in Communication

Once your claim is approved and repairs are scheduled, stay in touch with both your insurance company and roofer. A good contractor will keep you updated and make the process as smooth as possible.

The Bottom Line

Handling a roofing insurance claim doesn’t have to be stressful. Know your coverage, document everything, and work with a reputable roofing company. When you’re ready, Jolly Roofing and Repairs is here to help—just give us a call!

📞 Need help with a claim? Reach out today!