When your roof is damaged by a storm, hail, or other unexpected events, your first instinct might be to call your insurance company. However, choosing the right roofing contractors to handle the repair or replacement work is just as important as filing a claim. Navigating the process between insurance companies and contractors can be confusing, but understanding how they work together can save you time, money, and stress.
In this guide, we’ll break down the key things you need to know about hiring roofing contractors when insurance is involved and how to protect yourself throughout the process.
Why It’s Crucial to Work with Reputable Roofing Contractors
Hiring an experienced, licensed roofing contractor is essential when dealing with an insurance claim. They can assess the damage accurately and help communicate directly with your insurer, provide detailed documentation, and ensure that the repair meets all code requirements.
According to the National Roofing Contractors Association (NRCA), poor artistry is one reason insurance claims are denied or delayed. That’s why insurance companies often recommend working with certified or pre-approved roofing professionals.
Step-by-Step Guide: Roofing Claims and Contractors
Understanding how the process works helps you stay in control. Here’s a step-by-step breakdown of what usually happens when roof damage and insurance claims intersect:
Step 1: Assess the Damage
After a major storm or incident, visually inspect the ground. Look for missing shingles, granules in gutters, dented flashing, or leaks inside your attic. However, leave the full inspection to licensed roofing contractors they’re. They’re trained to evaluate roof conditions safely and identify issues you might miss.
Step 2: File a Claim with Your Insurance Company
Contact your homeowner’s insurance provider as soon as possible. Many insurers have a limited window to report storm-related damage, often 30 to 60 days. Once your claim is submitted, they will schedule an inspection with an insurance adjuster.
Step 3: Choose a Qualified Roofing Contractor
Here’s where it gets crucial. You’ll want to choose a contractor with:
- A valid license and insurance (liability and workers’ compensation)
- Experience with insurance claims and adjuster negotiations
- Solid reviews and references
- Warranties on both materials and artistry
Avoid contractors who knock on your door after a storm. These “storm chasers” may offer fast repairs but often cut corners or disappear without completing the job.
Step 4: Have the Contractor Meet with the Adjuster
A professional roofing contractor can meet with your insurance adjuster on-site to ensure all damage is properly documented. This helps prevent low estimates or missed issues that might be uncovered later.
The contractor will typically provide a detailed estimate that includes labor, materials, permits, and code upgrades. This is crucial, as many insurance policies cover only what’s deemed necessary, so having expert input matters.
Step 5: Understand the Insurance Estimate and Payment
Your insurance company will issue a claim estimate and possibly two checks:
- The actual cash value (ACV): What is your roof worth after depreciation at the time of damage?
- The recoverable depreciation: The withheld amount is paid after the job is complete and inspected.
Ensure your contractor understands how insurance works and will wait for the second payment if needed.
Common Insurance Terms to Know
When dealing with roofing contractors and insurance claims, you’ll likely hear a few key terms:
- Deductible: The amount you pay out of pocket before insurance kicks in.
- RCV (Replacement Cost Value): The total cost of replacing the damaged roof with new materials.
- ACV (Actual Cash Value): The depreciated value of your existing roof.
- Scope of Work: The official document detailing what repairs or replacements are covered.
A contractor who can explain these in simple terms can make a difference.
Questions to Ask Roofing Contractors Before Hiring
To make sure you’re hiring the right person for the job, ask the following:
- Are you licensed and insured in my state?
- Do you have experience working with insurance claims?
- Can you provide references from recent insurance-related jobs?
- Will you handle communication with my insurance adjuster?
- What warranties do you offer on your work?
Transparency and avoiding contractors who try to pressure you into signing contracts before you’ve reviewed your insurance estimate are key.
Be Wary of Insurance Fraud Scams
Unfortunately, roofing scams are common after major storms. Fraudulent contractors may offer to “cover your deductible” or bill your insurance for inflated or unnecessary work.
Insurance fraud is illegal and can result in liability. Always work with roofing contractors who are upfront about pricing and operate within your policy’s legal boundaries.
According to the National Insurance Crime Bureau (NICB), roofing-related fraud cases spike up to 50% after hurricanes and severe storms. Protect yourself by verifying credentials and never paying large amounts upfront.
Final Thoughts
When protecting your home and investment, working with experienced, trustworthy roofing contractors is just as important as having the right insurance coverage. From damage assessment to navigating claims and completing the work, the right contractor can make the process smoother, faster, and less stressful.
Before you call your insurance provider, make sure you also have a qualified roofing expert on your side. Your roof deserves nothing less.
