How to Get Insurance to Pay for Roof Replacement: What Every Homeowner Should Know

If you're searching for how to get insurance to pay for roof replacement, you're not alone—and you're in the right place. Every month, thousands of homeowners are hit with unexpected roof damage after storms and wonder if their insurance will cover the cost.

At RoofClaim, we’ve replaced over 75,000 roofs across the U.S., and more than 90% of those projects were covered by insurance. While we are not public adjusters and do not work for your insurance company, we do specialize in storm restoration roofing and provide homeowners with the support and documentation they need throughout the process.

Step 1: Understand What Your Insurance Policy Covers

Not all policies are created equal. To determine whether your roof qualifies for replacement coverage, you need to understand:

• Replacement Cost Value (RCV): Covers the full cost to replace your roof at today’s prices.
  
• Actual Cash Value (ACV): Pays out the depreciated value of your roof.
  
• Named Perils: Most policies cover damage from wind, hail, and falling debris—but not normal aging or wear and tear.
  

If you're unsure what your policy includes, contact your insurance agent to clarify your coverage. This step alone can save you thousands of dollars.

Step 2: Have Your Roof Professionally Evaluated by a Storm Damage Roofing Expert

Insurance typically covers damage caused by sudden and accidental events, such as:

• Hail impacts
  
• Wind-lifted or missing shingles
  
• Falling tree limbs
  
• Water leaks after a storm
  

After a major weather event, it’s important to have your roof professionally evaluated by a storm damage roofing expert. Not all roofing companies are equipped to handle insurance-related storm damage—be sure to choose a contractor with a proven track record of success in this type of work.

At RoofClaim, we offer free, no-obligation inspections and provide detailed documentation—like photos and damage reports—that you can use if you decide to file an insurance claim. With more than 75,000 roof replacements completed—90% of which were funded through insurance—we know what it takes to help homeowners move forward with confidence.

Step 3: File a Timely Claim With Your Insurance Company

Most policies require that you report damage within a set timeframe, often as soon as you discover it. After you file:

• An insurance adjuster will be scheduled to inspect the roof.
  
• You’ll receive a claim number and may be asked for supporting documentation.
  
• Your adjuster—not your contractor—will determine if the damage is covered.
  

While RoofClaim does not file claims or act as adjusters, we can help you be prepared by making sure you have the proper documentation and know what to expect.

Step 4: Attend the Adjuster Inspection

Your insurance company will send out a licensed adjuster to inspect your roof. This is a critical step, as their findings will determine whether your claim is approved and how much is covered.

To make the most of this inspection:

• Be present if possible
  
• Share any photos or inspection reports you’ve collected

It’s also important to have your chosen contractor on-site during the inspection to represent the roof damage that has already been verified and documented. While RoofClaim does not speak to the insurance company about coverage or act as an adjuster, we’re there to ensure that all relevant damage is visible and properly assessed.

Step 5: This Is Where Most Roofing Companies Stop — But RoofClaim Handles the Rest

Once your adjuster has completed the inspection and your claim is approved, most roofing companies hand you a quote and leave you to figure out the next steps on your own.

But at RoofClaim, we don’t stop there.

We take the approved scope of work from your insurance provider and handle everything that follows:

• We match your roof replacement to the approved scope
  
• We order and deliver materials
  
• We coordinate your installation
  
• We manage timelines and keep you informed every step of the way
  

You don’t have to chase down updates or coordinate different vendors. RoofClaim acts as your roofing project manager, ensuring the work is completed properly, efficiently, and with minimal disruption to your life.

With 75,000+ roofs replaced and 90% funded through insurance, we’ve built our reputation on making this process as easy as possible for homeowners—especially when other roofing contractors fall short.

Frequently Asked Questions

Q: Can I get my insurance to pay for an old roof?
A: Only if it was damaged by a covered event. Age alone is not a valid claim.

Q: Does RoofClaim get my roof covered by insurance?
A: No—only your insurance provider can approve coverage. RoofClaim provides documentation and support that