What Qualifies as Roof Damage When Filing Insurance Claim?

At StormClaim.com, our public adjusters know that roof damage can occur during thunderstorms with heavy rain, hail, or lightning, or during tornadoes or hurricanes.

Whether your roof damage has been caused by inclement weather, a fallen tree, or a house fire, it is important to have the damage assessed by a professional roofing contractor as soon as possible after the damage occurs. Most roofing companies will provide a free estimate for the repairs or suggest a complete replacement when applicable.

The insurance company will also send a claims adjuster out to assess the damage, where they will determine what they believe is the value of your claim.

Here is what both parties will look for when assessing the overall damage.

What are the Most Common Types of Roof Damage?

Besides the average wear and tear a house’s roof endures, certain signs of damage must be repaired immediately to avoid further harm to the premises.

They include:

  • Cracked or crumbling chimney
  • Damaged vents or pipe boots
  • Holes
  • Lifted, sunken, damaged, or missing shingles
  • Missing or damaged flashing
  • Punctures and cracks
  • Sagging spots or pooling water
  • Structural damage
  • Unfastened gutters
  • Worn down roofing materials

While this is not an exhaustive list of damages, both the roofing contractor and the insurance company’s claims adjuster will evaluate these and other signs of damage to provide an accurate assessment for a claim.

Both will provide a written description of the damage, and an estimate to repair or replace part or all of the roof. Typically, this is where the dispute begins.

If you believe your insurance company is undervaluing your roof damage, our public adjusters will provide an unbiased, third-party estimate that will allow you to appeal the insurance company’s undervalued assessment, so you can get the roof repairs or replacement you need.

Public Adjusters Can Help Accurately Calculate Roof Damages

If your home suffered roof damage of any kind — during a storm or otherwise — contact our skilled public adjusters at StormClaim.com today to schedule a free consultation and learn how we can produce solutions for your unique recovery needs by calling 844-967-8676, so you do not have to face the insurance company alone.


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