Roof Insurance Claims Explained: Avoid Common Payout Mistakes

Storm just rolled through? Whether you’re in hail-prone places like Denver or Dallas, high-wind zones near Miami or Houston, or freeze–thaw areas like Chicago or Minneapolis, filing your roof claim the right way makes a big difference in what gets paid.

1) Secure the Home & Document Everything

• Take wide photos of the home and close-ups of damage (shingles, vents, flashing).
• Photograph interior leaks, wet drywall, and attic moisture.
• Keep receipts for immediate tarping or temporary patches.

Insurers expect you to mitigate further damage. Save all invoices; they’re typically reimbursable.

2) Review Your Policy: ACV vs. RCV

ACV (Actual Cash Value) pays replacement cost minus depreciation.RCV (Replacement Cost Value) pays the full cost once work is completed. Older roofs in harsh climates often have higher depreciation.

3) Get a Professional Inspection

A roofer experienced with insurance work will map hail hits, wind lift, and soft spots on a diagram the adjuster understands. In heavy-storm markets, many offer free inspections.

Book a hail damage inspection →

4) File Promptly (and Completely)

Most policies require timely notice (often within 6–12 months of the event). Provide the storm date, photos, and a brief description. Avoid speculating about hidden damage—let the pro’s report speak.

5) Meet the Adjuster with Your Roofer

Having your contractor present helps ensure all damage is noted—roof, gutters, flashing, skylights, vents, and underlayment. Missed line items are the #1 reason payouts run short.

6) Understand the Estimate: Line Items Matter

• Scope: Are all slopes/planes and accessories included?
• Code upgrades: Drip edge, ice & water shield, ventilation to code.
• Supplements: Legit change orders if hidden issues are uncovered.

7) Deductibles, Depreciation & Final Payment

You’ll pay the deductible. With RCV, the insurer typically releases depreciation (the “recoverable” amount) after proof of completion. Keep signed contracts, paid invoices, and photos of the finished job.

8) Common Mistakes That Reduce Payouts

• Waiting too long to report or tarp—insurers may classify damage as “neglect.”
• No documentation—thin photo evidence weakens your claim.
• Accepting a scope that omits code-required items—push for proper line items.
• Not using a local, reputable roofer—especially in storm-chaser seasons.

Should You Repair or Replace?

If more than ~25% of the roof is compromised—or the roof is near end-of-life—replacement is often the right call. Compare options here: Roof Repair | Roof Replacement

Next Step: Get a Claim-Ready Inspection

A clear inspection report puts you in control—no guesswork, no missed line items.