What Information Will I Need to Provide When Filing a Roof Insurance Claim?
Filing a roof insurance claim can feel overwhelming—especially when you’re already dealing with the stress of storm damage or a sudden roof leak. The good news is that the process becomes much more manageable when you know what information your insurance company requires and who to call for help.
In this blog, we’ll break down the key documents and evidence needed to support a roof claim, and explain how Restoration Roofing can guide you through the process from start to finish. With a 95% success rate in getting storm damage claims approved, we’re your trusted partner in protecting your home.
Why Documentation is Crucial for a Roof Claim
When you file a claim, your insurance company will require detailed proof that the damage to your roof was caused by a covered event—such as a storm, hail, falling tree, or vandalism. Providing comprehensive documentation helps validate your claim, speeds up the approval process, and ensures you receive a fair payout.
Essential Documentation Needed for a Roof Insurance Claim
Here’s a breakdown of what you’ll typically need to gather and provide when filing a claim:
1. Photos of the Damage
Photos are the most important evidence you can provide. Take clear, detailed pictures of:
- Missing or damaged shingles
- Holes, dents, or impact marks
- Water damage inside the attic or ceilings
- Damaged gutters, flashing, or skylights
- Debris like fallen tree limbs
Tip: Take wide shots to show the overall damage, and close-ups to capture specific issues.
If you’re unable to safely access the roof, Restoration Roofing can help. Our team will perform a thorough inspection and capture all necessary photos on your behalf.
2. A Copy of Your Homeowner’s Insurance Policy
Your policy outlines what’s covered, your deductible, and any exclusions. Having a copy available will help you and your contractor understand what your insurance is likely to approve.
3. A Detailed Inspection Report
This should be prepared by a roofing professional and include:
- Date of the inspection
- Description of damage and location
- Assessment of the roof’s overall condition
- Photos taken during inspection
- Estimated cost of repair or replacement
At Restoration Roofing, we provide detailed inspection reports tailored for insurance claims. This report is a crucial component in getting your claim approved quickly.
4. A Timeline of the Incident
Include when the damage occurred or was first noticed. If the issue resulted from a specific event—like a windstorm, hailstorm, or tree strike—note the date and any supporting information such as local weather reports or news articles.
5. A Police Report (if applicable)
If your roof was damaged due to vandalism, theft, or malicious activity, your insurance company may require a police report. Be sure to:
- Report the incident immediately
- Get a copy of the filed report
- Provide it with your insurance claim
6. Inventory of Affected Items (for Interior Damage)
If a leaking roof damaged the inside of your home, document any property losses with:
- Photos of water-damaged items
- Receipts or estimated value of the damaged belongings
- A written inventory list
How Restoration Roofing Simplifies the Process
When disaster strikes, your first call sh0..ould be to Restoration Roofing. We make the roof insurance claim process as simple and stress-free as possible. Here’s how we help:
1. We Perform a Free Inspection
Our experienced team will inspect your entire roofing system and identify all visible and hidden storm damage. We know exactly what insurance adjusters are looking for, so our inspections are thorough and claim-ready.
2. We Provide Photo Documentation & Reports
We take detailed photos, generate an inspection report, and even create damage diagrams to submit directly to your insurance company.
3. We Help File Your Insurance Claim
Filing a claim can be confusing. We’ll walk you through the process step by step, from contacting your insurer to submitting the required documentation.
4. We Meet with the Insurance Adjuster
We don’t just hand you a report and leave—we’ll meet with the insurance adjuster at your property to ensure all damage is acknowledged and properly documented.
5. We Maximize Your Claim
With a 95% success rate, we specialize in getting the most out of storm damage claims. If your insurance company initially denies or underpays, we help with re-inspections and supplement submissions to fight for what you deserve.
Frequently Asked Questions About Roof Claims
Q: What if I don’t know when the damage occurred? A: That’s okay—Restoration Roofing can help identify likely dates using storm tracking software and recent weather history.
Q: Should I call the insurance company before calling a roofer? A: We recommend calling a roofer first. If there’s no significant damage, filing a claim could affect your record. A professional inspection will help you decide if a claim is worthwhile.
Q: What if my insurance claim is denied? A: Don’t panic. Restoration Roofing can request a reinspection and submit supplemental evidence. Many denied claims are approved after further review.
Partner With a Trusted Roofing Contractor
Filing a roof insurance claim doesn’t have to be a nightmare. With the right documentation—and the right partner—you can protect your home and restore your roof without unnecessary stress.
Restoration Roofing is proud to be a top-rated Memphis roofing company with a track record of success. From the first inspection to the final repair, we’re by your side through every step of the insurance claim process.
Give us a call at 901-854-3402 or fill out our Contact Us form and we will reach out to you with our next available inspection. Make sure to follow us on Facebook and Instagram for more tips on finding the best roofing contractor for you.
Call us today at (901) 854-3402 for a free inspection and let us help you start your roof claim the right way!
