Our Roof Claims Solutions

Roof claims refer to insurance claims filed by homeowners or property owners to cover damage to their roof caused by events like storms, hail, wind, fallen trees, or other disasters. When a roof is damaged, you can file a claim with your insurance company to request repair or replacement costs, depending on your policy coverage.

Compensation or coverage for roof damage

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Who we are

What Are Roof Claims?

A roof claim is a formal request made by a homeowner to their insurance company for compensation or coverage for roof damage caused by covered events. These claims are typically made after storms, hail, wind, fire, falling trees, or other unexpected incidents that result in roof leaks, structural damage, or total roof failure.

Filing a roof claim allows the homeowner to receive financial assistance for roof repairs or replacement, depending on their insurance policy terms.

What We Do

Tips to Ensure a Successful Roof Claim

Know Your Policy

Understand what’s covered, including: Deductibles, Exclusions (e.g., wear and tear, poor maintenance), Time limits for filing.

Act Quickly

Most insurance policies require you to file a claim within a limited time after the damage occurs (e.g., 1 year).

Keep Records

Save all communication with the insurance company and contractor. Keep copies of all invoices, receipts, and inspection reports.

Roofing Contractor

Look for licensed, insured, and experienced contractors. Be cautious of storm chasers.
Roof Claims
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Types of Roof Insurance Coverage

Replacement Cost Value (RCV)

  1. Pays for the full replacement of the damaged roof (minus your deductible).
  2. You receive funds to replace the roof with similar materials, based on current market prices.
  3. Usually includes two payments: actual cash value (ACV) up front and the remainder after work is completed.

Actual Cash Value (ACV)

  1. Pays only the depreciated value of your roof based on its age and condition.
  2. The older the roof, the less you get paid.
  3. Lower premiums, but also less coverage.
  4. Tip: Always review your policy to understand your coverage type before filing a claim.
steps

Steps to File a Roof Insurance Claim

Step 1: Inspect the Roof After the Damage

-After a storm or event, check your roof for visible damage (missing shingles, debris, leaks).
-Safety first: Don't climb onto the roof if it's dangerous—use binoculars or hire a professional roofer.

Step 2: Contact a Roofing Contractor

-Hire a trusted licensed roofer to perform a full inspection and provide a detailed damage report.
-Many contractors offer free inspections and help identify damage that you may not see from the ground.

Step 3: Document the Damage

-Take clear photos and videos of the damage.
-Include interior water damage, broken shingles, roof holes, or ceiling stains.

Step 4: Contact Your Insurance Company

-Call your insurance provider to report the claim or file it online.
-Provide your documentation and any inspection reports from the roofer.
-You will be assigned a claims adjuster.

Step 5: Meet with the Adjuster

-The insurance adjuster will inspect the roof to determine the extent of the damage and confirm whether it’s covered.
-It’s helpful to have your roofing contractor present to ensure nothing is missed.

Step 6: Review the Claim Offer

-After the inspection, you’ll receive a claim summary and a settlement amount (based on your coverage type).
-Review it carefully and ask your roofer to confirm that the amount covers all necessary work.

Step 7: Begin Repairs or Replacement

-Terrasun will help you with the whole process, we are experts!