RoofCraft
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Insurance Claims Assistance

Filing a roof insurance claim can be stressful and confusing. We handle the documentation, meet with your adjuster, and advocate for you — so you get the coverage you are entitled to.

How We Help With Your Claim

Detailed photo documentation of all damage
Written damage assessment with measurements
Itemized repair or replacement estimate
On-site meeting with your insurance adjuster
Supplemental documentation if claim is denied
Emergency tarping to prevent further damage

The Claims Process

01

Report

Call your insurance company to report the damage. Note your claim number and adjuster name.

02

Inspect

Schedule a free inspection with us. We document all damage with photos, measurements, and a written report.

03

Meet

We meet your adjuster on-site to walk through the damage and present our documentation.

04

Approve

Once approved, we provide a detailed scope of work matching the insurance estimate.

05

Repair

We complete the repair or replacement and provide final documentation for your records.

Usually Covered

  • Storm and wind damage
  • Hail damage
  • Fallen tree or branch damage
  • Lightning strikes
  • Fire damage
  • Vandalism

Usually Not Covered

  • Normal wear and tear
  • Deferred maintenance damage
  • Pre-existing conditions
  • Gradual deterioration
  • Cosmetic damage only
  • Improper installation (by others)

Photo Documentation Checklist

If you notice damage, take these photos before calling your insurance company:

Wide shots of the entire roof from ground level
Close-ups of visible damage (missing shingles, dents, cracks)
Interior ceiling stains or water damage
Gutters and downspouts showing debris or damage
Date-stamped photos (use your phone camera)
Surrounding property damage (fallen branches, debris)

Insurance Claims FAQ

Will my homeowner's insurance cover roof repair?
Storm damage, wind damage, hail damage, and fallen tree damage are typically covered by homeowner's insurance. Normal wear and tear, deferred maintenance, and pre-existing conditions are usually not covered. We help you document the damage properly to support your claim.
How do I start a roof insurance claim?
Call your insurance company to report the damage, then schedule an inspection with us. We provide detailed photo documentation, a written damage assessment, and a repair estimate that your adjuster can use. Do not make permanent repairs before the adjuster inspects — temporary tarps are fine.
What if my claim is denied?
Claim denials often result from insufficient documentation or missed filing deadlines. We have helped homeowners overturn denials by providing more thorough damage reports with detailed photos, measurements, and material specifications. We can re-document and support a supplemental claim.
Should I get a roof inspection before filing a claim?
Yes. A professional inspection identifies all damage — including damage you cannot see from the ground. Insurance companies take claims more seriously when supported by a professional assessment with photos and a written report.
How long do I have to file a roof insurance claim?
Most California homeowner's policies require you to report damage promptly — typically within 30-60 days of the event. Check your specific policy. We recommend filing as soon as possible after any storm, wind event, or visible damage.
Do you work directly with my insurance adjuster?
Yes. We meet with adjusters on-site, walk through the damage together, and provide our documentation. Having a licensed roofing contractor present during the adjuster visit ensures all damage is identified and properly assessed.

Storm Damage? We Can Help.

Schedule a free damage assessment. We document everything your insurance company needs to process your claim.