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How to Make an Insurance Claim for Roof Damage
Don’t get swept away with worry after a storm
Photo: Iriana Shiyan / Adobe Stock
Photo: Iriana Shiyan / Adobe Stock
Highlights
Homeowners insurance often covers roof damage due to severe weather.
Take photos to document damage and keep receipts for hotel stays and temporary fixes.
File the claim ASAP and expect to wait for an insurance adjuster to inspect the damage.
Once approved, you’ll get a reimbursement check within 30 to 60 days.
If insurance denies your claim, you can appeal.
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What Happens if My Roof Claim Is Denied?
If your insurance denies your roof claim, the first thing you can do is file an appeal. An independent insurance adjuster will check out your roof to see if you qualify for coverage or if your insurance company was correct in denying your claim.
Since roof repair or replacement isn’t something you can put off, you should secure funding for it if it turns out that you need to pay out of pocket. Roof replacement costs $9,150 on average, and although some very experienced DIYers may be able to learn how to replace a roof, it’s a job better left to the pros. Hiring a pro ensures the job is completed correctly and safely.
If you believe you have a strong case, consider consulting with a lawyer. You can also escalate the issue to upper management to get more information about your claim or file a complaint with the appropriate local government office.
What Happens if My Roof Claim Is Denied?
If your insurance denies your roof claim, the first thing you can do is file an appeal. An independent insurance adjuster will check out your roof to see if you qualify for coverage or if your insurance company was correct in denying your claim.
Since roof repair or replacement isn’t something you can put off, you should secure funding for it if it turns out that you need to pay out of pocket. Roof replacement costs $9,150 on average, and although some very experienced DIYers may be able to learn how to replace a roof, it’s a job better left to the pros. Hiring a pro ensures the job is completed correctly and safely.
If you believe you have a strong case, consider consulting with a lawyer. You can also escalate the issue to upper management to get more information about your claim or file a complaint with the appropriate local government office.
What Happens if My Roof Claim Is Denied?
If your insurance denies your roof claim, the first thing you can do is file an appeal. An independent insurance adjuster will check out your roof to see if you qualify for coverage or if your insurance company was correct in denying your claim.
Since roof repair or replacement isn’t something you can put off, you should secure funding for it if it turns out that you need to pay out of pocket. Roof replacement costs $9,150 on average, and although some very experienced DIYers may be able to learn how to replace a roof, it’s a job better left to the pros. Hiring a pro ensures the job is completed correctly and safely.
If you believe you have a strong case, consider consulting with a lawyer. You can also escalate the issue to upper management to get more information about your claim or file a complaint with the appropriate local government office.
Photo: Moore Media / iStock / Getty Images Plus / Getty Images
What Happens if My Roof Claim Is Denied?
If your insurance denies your roof claim, the first thing you can do is file an appeal. An independent insurance adjuster will check out your roof to see if you qualify for coverage or if your insurance company was correct in denying your claim.
Since roof repair or replacement isn’t something you can put off, you should secure funding for it if it turns out that you need to pay out of pocket. Roof replacement costs $9,150 on average, and although some very experienced DIYers may be able to learn how to replace a roof, it’s a job better left to the pros. Hiring a pro ensures the job is completed correctly and safely.
If you believe you have a strong case, consider consulting with a lawyer. You can also escalate the issue to upper management to get more information about your claim or file a complaint with the appropriate local government office.
What Happens if My Roof Claim Is Denied?
If your insurance denies your roof claim, the first thing you can do is file an appeal. An independent insurance adjuster will check out your roof to see if you qualify for coverage or if your insurance company was correct in denying your claim.
Since roof repair or replacement isn’t something you can put off, you should secure funding for it if it turns out that you need to pay out of pocket. Roof replacement costs $9,150 on average, and although some very experienced DIYers may be able to learn how to replace a roof, it’s a job better left to the pros. Hiring a pro ensures the job is completed correctly and safely.
If you believe you have a strong case, consider consulting with a lawyer. You can also escalate the issue to upper management to get more information about your claim or file a complaint with the appropriate local government office.
| Cause | Average Home Insurance Claim Amount |
|---|---|
| Fire and lightning | $83,519 |
| Bodily injury and property damage | $31,663 |
| Wind and hail | $12,913 |
| Water damage and freezing | $12,514 |
| Medical payments | $10,179 |
What Happens if My Roof Claim Is Denied?
If your insurance denies your roof claim, the first thing you can do is file an appeal. An independent insurance adjuster will check out your roof to see if you qualify for coverage or if your insurance company was correct in denying your claim.
Since roof repair or replacement isn’t something you can put off, you should secure funding for it if it turns out that you need to pay out of pocket. Roof replacement costs $9,150 on average, and although some very experienced DIYers may be able to learn how to replace a roof, it’s a job better left to the pros. Hiring a pro ensures the job is completed correctly and safely.
If you believe you have a strong case, consider consulting with a lawyer. You can also escalate the issue to upper management to get more information about your claim or file a complaint with the appropriate local government office.
What Happens if My Roof Claim Is Denied?
If your insurance denies your roof claim, the first thing you can do is file an appeal. An independent insurance adjuster will check out your roof to see if you qualify for coverage or if your insurance company was correct in denying your claim.
Since roof repair or replacement isn’t something you can put off, you should secure funding for it if it turns out that you need to pay out of pocket. Roof replacement costs $9,150 on average, and although some very experienced DIYers may be able to learn how to replace a roof, it’s a job better left to the pros. Hiring a pro ensures the job is completed correctly and safely.
If you believe you have a strong case, consider consulting with a lawyer. You can also escalate the issue to upper management to get more information about your claim or file a complaint with the appropriate local government office.
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