Your roof is your home’s first line of defense against the elements. When damage strikes—from a leak, storm, or fallen tree—filing an insurance claim can feel overwhelming. A Homeowner’s Guide: Navigating Insurance Claims for Roofing walks you through each step so you avoid costly mistakes and find peace of mind.
Step 1: Assess the Damage Safely
After a storm or visible incident, take a look around your property. Signs of damage include:
- Missing or lifted shingles
- Fallen branches or debris
- Interior leaks or water stains
- Sagging or dented rooflines
Never climb onto your roof. Instead, contact Union Roofing for a free inspection. Our experienced team will document any damage with photos and a detailed report to support your insurance claim.
Step 2: Review Your Insurance Policy
Understanding your homeowners insurance is key. Look for:
- Types of damage your policy will cover (wind, hail, tree impact, etc.)
- Your deductible amount
- Whether your policy provides replacement cost value (RCV) or actual cash value (ACV)
- Whether there are any exclusions for wear and tear or age
- Some carriers require riders for certain types of roofs, so check with your provider.
Knowing these details upfront can help you manage expectations throughout the claims process.
Step 3: File Your Claim Promptly
Notify your insurance company right away. Be prepared to:
- Report the date and cause of the damage
- Share the inspection report from Union Roofing
- Provide photos and videos of the damage; include any notes about what happened
Your insurance company will assign an adjuster to assess the damage and discuss your coverage.
Step 4: Meet with the Insurance Adjuster
When the adjuster visits, Union Roofing can meet them on-site. Our team helps ensure the adjuster doesn’t overlook anything; we also provide professional insight to support your claim. Having us there can make a huge difference in getting a fair and accurate settlement.
Step 5: Understand the Estimate and Approval
You’ll receive a repair or replacement estimate from your insurer. Compare the replacement or repair costs to the estimate from Union Roofing. We will make sure all necessary work is covered. If something’s missing, we can help request a claim supplement and handle the back-and-forth with your adjuster.
Step 6: Schedule the Roofing Work
Once your claim is approved, we’ll finalize your contract and schedule the work. Union Roofing uses premium materials, employs skilled union labor, and backs every job with industry-leading warranties. Our roofing contractors work efficiently, safely, and with the highest level of craftsmanship.
If the extent of the damage is serious, you may need a roof replacement. We can help you choose a roof that fits your budget and needs.
Step 7: Final Documentation and Payment
When the job is done, Union Roofing provides you with a completion certificate and invoice. Submit these documents to your insurance company for final payment. We’ll guide you through the final steps so everything wraps up smoothly.
Why Trust Union Roofing with Filing a Claim?
At Union Roofing, we’ve helped thousands of homeowners in Philadelphia and the surrounding areas restore their roofs. We understand the various parts of the roofing insurance claims process. That means we know how to work with adjusters, document damage properly, and secure the coverage you deserve.
We’ve got you covered, from your first inspection to your final shingle.If you suspect damage or just need expert guidance on a potential claim, call Union Roofing at (215) 464-6425. You can also schedule a free inspection online. For lasting peace of mind, don’t wait—our team of experts will fight for your roof like it’s their own.
