Best & Worst Insurance Companies for Roof Claims
Filing an insurance claim for roof damage should be a straightforward process, but not all insurance companies handle claims the same way. Some insurers make it easy for homeowners to get the coverage they deserve, while others create roadblocks, delays, or lowball settlements.
At Restoration Roofing, we surveyed homeowners and roofing professionals to find out which insurance companies are the best (and worst) when it comes to handling roof claims. The results? There’s a big difference between how homeowners and roofers rank insurance companies!
How Homeowners & Roofers View Insurance Companies Differently
When homeowners file an insurance claim for roof damage, their experience is largely based on:
✅ How easy the claims process is
✅ Whether the insurance adjuster is responsive and helpful
✅ The fairness of the final payout
However, roofing contractors look at the process differently. As professionals who work with insurance companies every day, roofers rank insurers based on:
✅ How well they approve legitimate roof claims
✅ Whether they pay enough to cover proper repairs
✅ How quickly they process claims and pay out funds
In many cases, a company that homeowners rate highly might be one that roofers find difficult to work with—and vice versa!
Best & Worst Insurance Companies for Roof Claims
After surveying both groups, we compiled a ranking of the best and worst insurance companies for roof claims.
Best Insurance Companies for Roof Claims
These companies received high marks for easy claims processing, fair payouts, and good customer service:
1️⃣ Homeowners: Chubb and USAA | Roofers: Pure, Chubb and Eerie – Homeowners found their claims process smooth, and roofers reported they approve damage fairly.
Worst Insurance Companies for Roof Claims
These companies delayed payouts, underpaid claims, or denied valid roof damage:
❌ Homeowners: Pure | Roofers: Shelter and Statefarm – Homeowners and Roofers reported difficulties in getting claims approved.
Why Using a Roofer Can Help with Your Insurance Claim
Many homeowners assume that filing a roof claim is a simple process—until they run into delays, denied claims, or low settlements. This is where working with a professional roofer can make all the difference.
How a Roofer Can Help With Your Roof Insurance Claim:
✔ Thorough Damage Inspection – Roofers spot issues that an untrained eye (or an insurance adjuster) might miss.
✔ Detailed Documentation – They provide photos, reports, and estimates that back up your claim.
✔ Meet with the Insurance Adjuster – A roofing contractor can advocate for you, ensuring all damage is properly assessed.
✔ Avoid Underpayments – Insurance companies sometimes try to cover only a patch job instead of a full roof replacement—roofers can challenge this.
✔ Ensure Quality Repairs – Some insurance companies cut corners, but a good roofer ensures your roof is repaired to the highest standards.
What Does Insurance Cover When It Comes to Roof Claims?
Most homeowners insurance policies cover roof damage caused by sudden, accidental events, such as:
✅ Windstorms
✅ Hail damage
✅ Falling tree limbs
✅ Fire damage
However, insurance does NOT usually cover:
❌ Wear and tear due to aging
❌ Poor maintenance
❌ Pre-existing damage
❌ Improper installation
If your roof damage is caused by an event covered by your policy, the insurance company should pay for repairs or a replacement—but only if you file your claim correctly!
How Restoration Roofing Can Help – 97% Approval Rate for Claims
At Restoration Roofing, we have extensive experience working with insurance companies and helping homeowners get the roof repairs or replacements they need.
We have a 97% approval rating for insurance claims, and our expert team is here to:
✅ Provide a FREE roof inspection to assess the damage
✅ Document the damage with photos and a professional roofing report
✅ Meet with your insurance adjuster to advocate for a fair settlement
✅ Handle all repairs or full roof replacements with high-quality materials
✅ Ensure the process is as smooth and stress-free as possible
If you suspect storm damage or need to file a roof claim, don’t do it alone—Restoration Roofing is here to help!
Call us today at (901) 854-3402 for a FREE roof inspection!
Final Thoughts: Not All Insurance Companies Are Created Equal
Some insurance companies make roof claims easy, while others make homeowners jump through hoops. Our survey of homeowners and roofers revealed big differences in how insurers handle claims—and if you’re dealing with a company known for delays or underpayments, having a roofing expert on your side is essential.
If you’re filing a roof claim or just want to make sure your roof is in good shape, Restoration Roofing is here to help. Contact us today for a FREE inspection and let us help you navigate the process!
Watch our video to see the full rankings! https://www.youtube.com/watch?v=Ubt4Ksv_3A0&t
