Tips to File a Successful Roof Claim

Filing a successful claim for roof damage is frustrating. Here are some suggestions for a successful claim to get your insurance company to pay for the damages you received.

1. Review Your Insurance Policy

• Check coverage: Confirm whether your policy covers roof damage from the cause (e.g., hail, wind, fallen tree).
• Note exclusions: Damage from neglect or wear and tear is usually not covered.
• Know your deductible: Understand what you’re responsible for paying.

📸 2. Document the Damage Thoroughly

• Take clear photos/videos of all visible damage (roof, attic, water stains, damaged shingles, etc.).
• Note the date and time the damage occurred.
• Keep weather reports if it's storm-related—these support your claim.

🛠 3. Get a Professional Roof Inspection.  Research how successful the roofing company is in fighting for your claim.  In the Houston Tx, Cypress, TX area give us a call for great recomendation of roofing company.

• Hire a licensed roofing contractor to inspect and provide a written report. Most of the times they do this as a service.
• A certified inspector can identify hidden damage that helps validate your claim.
• Ask for a repair estimate on official letterhead.

📞 4. Contact Your Insurance Company Quickly

• Most policies have time limits for filing a claim.
• File a claim via phone or online, and get a claim number.
• Be clear and factual about what happened—don’t speculate.

📆 5. Be Present for the Adjuster’s Inspection

• Meet the adjuster in person if possible.
• Have your roofer present to ensure nothing is overlooked.
• Provide all documentation: inspection reports, estimates, photos.

📝 6. Follow Up & Be Persistent

• Take notes on all communications with your insurer (dates, names, summaries).
• If your claim is partially denied, you can dispute it and ask for a reinspection.

❌ Common Mistakes That Lead to Denials

• Delaying the claim past the time window.
• Not maintaining the roof, leading to a denial for "wear and tear."
• Inconsistent documentation or missing details.
• Filing a claim for minor damage that doesn’t exceed the deductible.

🔄 If Your Claim is Denied:

• Request a written explanation.
• Hire a public adjuster to represent you if the claim is large or complex.
• Appeal the decision with additional documentation or a second inspection.