When a storm hits and your roof takes a beating, you’re likely left with two big questions:
“Is this covered by insurance?”
…and…
“How do I make sure I don’t get screwed by the process?”
Good news — this guide will walk you through how roof claims actually work, what insurance companies don’t tell you, and how to make sure you get everything you’re owed.
1. What Type of Roof Damage is Covered by Insurance?
Most homeowners’ insurance policies cover sudden and accidental damage. That includes:
- Hail damage
- Wind damage
- Fallen trees
- Ice damming (depending on the policy)
What’s not typically covered? General wear and tear. If your roof is 20 years old and just finally gave out, that’s likely on you. But if a storm caused damage — even if it looks minor — that could qualify for full roof replacement.
2. The Process: From Damage to Payout
Let’s break it down into the 5 key steps:
Step 1: Inspection
This is where it begins. But here’s the kicker: not all inspections are created equal.
If the adjuster just flies a drone or looks from the ground, they may miss key damage.
That’s why having a qualified roofer on-site is critical — someone who walks the roof, marks damage, and documents everything with photos.
Step 2: Filing the Claim
Once damage is confirmed, you’ll file a claim. This can usually be done online or over the phone.
Pro Tip: You don’t need to know the exact extent of the damage. Your roofer’s report will do the heavy lifting.
Step 3: Adjuster Appointment
An insurance adjuster is sent to assess the damage — but they work for the insurance company, not you.
Your roofing rep should meet the adjuster to advocate for you and point out every legitimate area of damage. This can be the difference between a patch job and full roof replacement.
Step 4: The Scope of Loss
After their visit, the adjuster creates a Scope of Loss — basically a list of what they’re willing to pay for.
It’s not uncommon for this to miss major components like flashing, drip edge, vents, or the need for code upgrades.
Your contractor can file a supplement to challenge this and get it corrected.
Step 5: Payment & Work
You’ll receive two checks:
- The ACV (Actual Cash Value) — the depreciated value of your roof
- The RCV (Replacement Cost Value) — paid after the work is completed
Important: Use a contractor experienced in insurance work so they can handle the paperwork, supplements, and updates — saving you from endless back-and-forth with your carrier.
3. How to Maximize Your Claim (Without Playing Games)
This isn’t about cheating the system. It’s about knowing your rights and protecting your home.
✅ Have a Roofer Inspect First — Not the Insurance Company
This gives you a professional opinion without the pressure of a claim on your record.
✅ Be Present (Or Have Your Roofer Present) for the Adjuster Meeting
Otherwise, they might chalk it up to age, miss items, or deny the claim altogether.
✅ Get Photos and Documentation
A quality contractor will document everything — shingle bruising, damaged flashing, dented gutters, etc. Photos speak louder than words.
✅ Understand the Policy Terms
Know the deductible, what’s covered, what’s excluded, and whether you have code upgrade protection.
✅ Don’t Accept the First Offer If It’s Incomplete
Insurance companies often underpay or omit items. A good contractor will negotiate those supplements on your behalf.
4. Common Myths That Hurt Homeowners
❌ “There’s no visible damage, so it must be fine.”
Truth: Hail damage may not leak for months — but that doesn’t mean it won’t cause failure later.
❌ “If my claim gets denied, I’m out of luck.”
Truth: You can request a re-inspection and have another adjuster assigned.
❌ “I have to use the contractor my insurance recommends.”
Truth: You can hire whoever you want. Pick someone who works for you, not the insurance company.
5. Final Thought: You’re Not Alone in This
Your insurance policy is a contract, and you’ve been paying into it for years. Now it’s time to make sure it works for you, not against you.
Working with the right roofer — one who knows how the insurance game works — can turn a frustrating process into a fair one.
Don’t try to navigate this solo.
Call Alfa Y Omega Construction for a free inspection and insurance consultation today.
Slade is the Sales Manager at Alfa Y Omega Construction and brings over 24 years of hands-on experience in the construction industry. He’s passionate about helping homeowners navigate the often confusing process of roof replacement and storm-related insurance claims. With a background rooted in both fieldwork and customer service, Slade ensures every client is informed, protected, and treated with integrity. Whether it’s identifying hidden damage or guiding you through a complex claim, his goal is to simplify the process and deliver results. When you work with Alfa Y Omega, you get a team that fights for your home like it’s their own.
