Why You Should Call a Roofer Before Filing an Insurance Claim for Roof Damage

When a storm hits Riverview, FL, homeowners often rush to contact their insurance company at the first sign of roof damage. While this may seem like the logical first step, calling a professional roofer first can save you time, money, and unnecessary stress.

At Steadfast Roofing, we have years of experience helping homeowners navigate insurance claims. As an Atlas Gold Certified Contractor, Owens Corning Preferred Contractor, and a Best of Florida Winner 2023, we understand the importance of accurate roof assessments before starting the claims process.

Why You Should Contact a Roofer Before Your Insurance Company

Filing an insurance claim without a professional inspection can lead to complications. Many homeowners overestimate or underestimate the extent of their roof damage, which can impact their claim approval or payout. Here’s why it’s best to call a roofer first:

1. Professional Damage Assessment
   Insurance adjusters may not always catch every issue, and they often work with strict claim guidelines. A professional roofer will thoroughly inspect your roof, documenting visible and hidden damage that may be overlooked by an adjuster.
   
2. Avoiding Unnecessary Claims
   Not all roof damage warrants an insurance claim. If the cost of repairs is lower than your deductible, filing a claim may not be in your best interest. A trusted roofer can help you determine if filing a claim is necessary, preventing you from having an unnecessary claim on your record.
   
3. Stronger Claim Documentation
   Roofers provide detailed reports, photos, and estimates, which serve as solid evidence when dealing with insurance companies. This documentation can help speed up the claims process and increase your chances of receiving fair compensation.
   

Understanding the Insurance Claim Process for Roof Damage

Many homeowners assume that their insurance company will automatically cover all roof repairs. However, the claims process can be more complex than expected. Here’s a general breakdown of what to expect:

1. Initial Roof Inspection – A professional roofer assesses the damage and determines if a claim is necessary.
2. Filing the Claim – If damage is extensive, the homeowner submits a claim, including the roofer’s documentation.
3. Insurance Adjuster Inspection – The insurance company sends an adjuster to verify the claim. Having your roofer present during this inspection ensures that no damage is missed.
4. Claim Approval or Denial – The insurance company reviews the findings and decides whether to cover the repair costs.
5. Roof Repairs or Replacement – Once approved, your roofer completes the necessary work, ensuring your home is fully protected.

Unique Fact: Insurance Companies May Deny Claims for Neglected Roofs

One surprising fact many homeowners don’t realize is that insurance companies can deny a claim if they determine that roof damage resulted from neglect rather than a covered event. If your roof was already in poor condition before the storm, your insurer may argue that it was due for replacement anyway. This is why regular roof maintenance and inspections are crucial in keeping your insurance policy valid.

What to Do After a Storm: Steps for Homeowners

1. Inspect for Visible Damage – Check for missing shingles, leaks, or debris on your roof.
2. Take Photos – Document any damage before making temporary fixes.
3. Call a Professional Roofer – Have an expert assess the situation before filing a claim.
4. File a Claim If Needed – Submit the necessary paperwork with the help of your roofer’s report.
5. Schedule Repairs with a Trusted Contractor – Choose a certified roofing company like Steadfast Roofing for quality repairs.

Why Choose Steadfast Roofing for Insurance Claims Assistance?

Handling an insurance claim can be overwhelming, but with Steadfast Roofing, you’re not alone. We offer:

• Certified expertise – We are an Atlas Gold Certified Contractor, Owens Corning Preferred Contractor, and IKO RoofPro Select Contractor, ensuring top-tier service.
• Detailed inspections – Our team provides comprehensive roof evaluations, documenting all damage for insurance claims.
• Assistance throughout the process – We work with homeowners to ensure they receive the maximum benefits from their insurance coverage.

FAQs About Filing an Insurance Claim for Roof Damage

1. What if my claim is denied?
If your claim is denied, we can review the insurance company’s findings and provide additional documentation or a second inspection to support your case.

2. Will my insurance premium increase if I file a claim?
Filing a claim may impact your premium, but this depends on your insurer and policy. A roofer can help you determine whether filing a claim is worth it.

3. How soon should I file a claim after storm damage?
Most insurance companies require claims to be filed within a limited timeframe after damage occurs. It’s best to contact a roofer immediately to avoid missing deadlines.

Final Thoughts: Protect Your Home & Your Wallet

Before calling your insurance company after a storm, contact Steadfast Roofing for a professional roof inspection. We’ll help you determine the best course of action, ensuring you get the most out of your insurance policy.

Want to make sure you’re working with the right roofer? Read our guide on 4 Essential Questions to Ask Before Hiring a Roofer to make an informed decision.