Making a roof damage claim

Mind the deadline

Policies impose time limits on reporting damage, and they are shorter than people assume. Damage found late — hail in particular — is often denied simply because too long has passed.

Know what your policy actually pays

Replacement cost pays what it costs to replace the roof today. Actual cash value pays that minus depreciation, which on a fifteen-year-old roof can be most of it. Find out which you have before you file, along with your deductible.

Photograph everything, immediately

Take far more pictures than feel necessary, including undamaged areas for comparison. Do it before the tarp goes on, not after.

Get an independent assessment first

A written contractor assessment before the adjuster visits gives you a scope to compare against. If the two disagree, ask for the contractor to be present at a re-inspection — it changes the conversation considerably.

Read anything before you sign it

An assignment of benefits hands control of your claim to a contractor. There are legitimate uses for it and it is also the single most common way homeowners lose control of a claim. Never sign one on the doorstep.

Stop further damage, and keep the receipts

Policies expect you to take reasonable steps to prevent things getting worse, and they generally reimburse the cost of doing so. Tarps, emergency call-outs, a temporary patch. Keep every receipt.

In short

The homeowners who do well out of claims are not the ones with the worst damage. They are the ones with the best photographs.