The Complete Homeowner’s Guide to Filing a Roof Insurance Claim
Intro
Filing an insurance claim can be overwhelming, but with the right steps, you’ll avoid stress and maximize coverage.
Step 1 – Initial Damage Assessment
After a storm or suspected damage event, visually check your property for signs of roof damage (missing shingles, leaks, dents in gutters, debris).
Contact Stronghold Exteriors for a free inspection. Our roofing specialists will perform a full assessment and document the condition of your roof with photos and notes.
Step 2 – Review Findings & Discuss Next Steps
The contractor reviews inspection results with the homeowner.
If damage is found that may qualify for insurance coverage, the contractor advises the homeowner to proceed with filing a claim.
Step 3 – File the Insurance Claim
The homeowner contacts their insurance provider (by phone or online portal) to report the damage.
Provide the date of the storm/event, a description of the damage, and the contractor’s findings.
Record the claim number for reference.
Step 4 – Insurance Adjuster Inspection
The insurance company will schedule an adjuster to inspect the property.
Stronghold Exteriors will coordinate with the homeowner to be present during the adjuster’s inspection.
Our role is to point out visible and hidden damages, ensuring nothing is overlooked.
Step 5 – Claim Approval & Estimate Review
Once the adjuster completes their report, the insurance company issues a statement of loss (estimate of covered repairs).
The contractor reviews this document with the homeowner to confirm that all necessary repairs are included and accurately priced.
Step 6 – Work Authorization & Scheduling
The homeowner signs a work authorization agreement with Stronghold Exteriors to begin the project.
A production schedule is set, and materials are ordered.
Step 7 – Roof Replacement / Repair
Stronghold Exteriors performs the approved scope of work using quality materials and proper installation practices.
Photos and documentation are kept for final submission to the insurance company.
Step 8 – Final Walkthrough & Payment
After completion, the contractor and homeowner inspect the roof together.
The insurance company issues final payment (including any recoverable depreciation).
The homeowner pays the contractor their deductible as required by law.
Step 9 – Warranty & Ongoing Support
Stronghold Exteriors provides warranty information and ensures the homeowner understands coverage.
Offer ongoing maintenance services and storm readiness tips.
Key Notes
Homeowners are only responsible for their insurance deductible.
All communication with the insurance company should be documented (dates, times, claim numbers, contacts).
Stronghold Exteriors serves as the homeowner’s advocate throughout the process.
Common Mistakes to Avoid
Waiting too long after the storm
Filing without professional documentation
Accepting a low estimate without review
Why a Contractor Partner Matters
Stronghold Exteriors advocates for homeowners, ensuring nothing is missed and work is completed to insurance standards.