Why the Process Matters
If your roof was damaged in a storm, filing a proper insurance claim can mean the difference between full coverage and thousands out of pocket. Many Bryan homeowners miss key steps or file too early, before damage is properly documented. That can lead to delays or outright denials.
This guide walks you through each step of the process so you can maximize your chances of a fair payout.
Key Principles RocStout Roofing Recommends
When dealing with roof insurance claims, RocStout Roofing advises homeowners to follow these important principles:
- File with your insurer’s claims department, not your agent. Agents may be trained to minimize or discourage claims to protect loss ratios. Filing directly ensures your claim is properly recorded.
- Filing a claim for storm damage should not raise your premiums. Storm damage is considered an “Act of God” and is generally treated differently than at-fault claims.
- File the claim before seeking quotes. Filing first allows the insurance company to establish their payout based on policy coverage rather than being anchored to a contractor’s quote. Submitting a low quote first may limit your final payout.
Step 1: Document the Damage
Start by gathering your own photos. Take wide shots of your roof and close-ups of any visible issues:
- Missing shingles
- Hail dents on vents or flashing
- Debris or tree limbs
- Water stains on ceilings or walls
If you can safely collect hailstones, take a photo next to a ruler or coin for scale.
Step 2: Schedule a Roof Inspection First
Before calling your insurance company, contact a roofing professional. Insurance adjusters don’t always catch everything. A contractor can provide a detailed damage report and photo documentation.
At RocStout Roofing, we inspect roofs for free and prepare a full report you can submit to your insurance company.
Real Example: A Central Texas homeowner had roof damage from a tornado. The insurance company adjuster didn’t even get on the roof to inspect the damage and denied the homeowner’s claim until RocStout got involved.
Step 3: Review Your Policy
Know your deductible, your claim window, and what’s covered. Many policies require claims to be filed within a certain number of days after a storm event. Your roofing contractor can help interpret coverage based on their experience with other local claims.
Step 4: File the Claim
Call your insurer or submit the claim through your online account. Be ready with:
- Date of the storm
- Description of the damage
- Photos and contractor report
If you’re unsure what to say, your roofer can guide you or even help with wording to avoid claim rejection.
Step 5: Meet with the Adjuster
The insurance company will send an adjuster to verify the damage. This is a critical moment. If possible, ask your contractor to be present. They can:
- Walk the roof with the adjuster
- Point out the damage they’ve already documented
- Help ensure nothing gets missed
This step can determine how much (or how little) your insurance company is willing to pay.
Step 6: Review the Payout and Scope of Work
Once approved, your insurance company will issue a payment and a “scope of work” outlining what they will pay for. Share this with your roofer to:
- Confirm the estimate covers all needed repairs
- Discuss any discrepancies or missing line items
Your roofer may work directly with your insurance company to get changes approved.
Step 7: Complete the Repairs
Choose a licensed, local contractor with insurance experience. RocStout Roofing handles all work in-house and makes sure your repairs meet both your needs and your policy requirements.
After the work is complete, your contractor may submit documentation for any additional payments (known as supplements).
Roofing Insurance Claim FAQs
Can I file a claim without a roofing inspection?
Yes, but it’s risky. You may miss damage or file without enough documentation to get approved.
Will filing a claim raise my insurance rate?
Storm-related claims typically don’t raise rates individually (source), but check with your insurer to confirm.
How long does the process take?
Anywhere from a few days to several weeks, depending on the insurer and the scope of damage.
Does RocStout Roofing work directly with insurance companies?
Yes. We often communicate directly with adjusters to make the process easier for homeowners.
Get Help With Your Roofing Insurance Claim Today
Don’t go it alone. The sooner you involve a professional, the better your chance of a smooth, full-coverage claim.
Schedule a free inspection with RocStout Roofing today, and let us help you get the payout you deserve.
