How a roof claim actually works

Know what your policy actually pays

Replacement cost pays what it costs to replace the roof today. Actual cash value pays that minus depreciation, which on a fifteen-year-old roof can be most of it. Find out which you have before you file, along with your deductible.

Photograph everything, immediately

Wide shots that show the house, close shots that show the damage, and pictures of the inside where water came through. Dated, before anybody touches anything. An adjuster can work with photographs; they cannot work with a description.

Stop further damage, and keep the receipts

Emergency mitigation is normally recoverable and routinely forgotten. Save the paperwork for the tarp as carefully as the paperwork for the repair.

Read anything before you sign it

An assignment of benefits hands control of your claim to a contractor. There are legitimate uses for it and it is also the single most common way homeowners lose control of a claim. Never sign one on the doorstep.

Get an independent assessment first

Filing a claim that turns out to be under your deductible costs you nothing but is on your record anyway. Find out the scale of the damage before you pick up the phone.

Mind the deadline

Policies impose time limits on reporting damage, and they are shorter than people assume. Damage found late — hail in particular — is often denied simply because too long has passed.

In short

Document first, mitigate second, file third. In that order it usually goes smoothly; in any other order it usually does not.