Steps for Filing a Roof Replacement Insurance Claim

Friday, June 15th, 2018 by Sydney Stewart

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A large hail storm passed through your area and produced sizable hail. It may be possible that your roof sustained damage and needs repair or replacement. But where do you start? There is insurance and contingencies that may seem overwhelming when you are concerned about the well-being of your home. Luckily, My-Pros Roofing are experts in hail damage insurance claims and can help you through the entire process.

Look for Damage Immediately After the Storm 

It is important that you schedule a time for a professional to come and look at the potential damage on your roof. While it may be tempting to climb on the roof yourself, our professionals have the proper tools and knowledge to spot hail damage without endangering their lives. Make sure you call a company that provides free estimates for damage.

Common characteristics of damage that your Pro may find include random damage and impact marks to the shingles, siding, and vents. In the case of wooden roofs, there may be splits in the material with sharp edges, indicating recent damage. These are all things our Pros know to look for, so they can provide you with a detailed examination of the damage done to your roof.

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Hail damage to a roof fixture in Rockford, IL

Document the Damage in Photographs and Estimates

Our Pros always take photographs of the damage done to your home to ensure your insurance company has plenty of evidence related to the claim. You may see them marking your roof with chalk to emphasize the damage in the photos. This will also help them emphasize the need for a full roof replacement versus simple repairs.

Make sure you chose a contractor that provides you with a detailed estimate. The estimate should include the total cost to replace your roof, including: quantity of materials required, labor charges, work specifications, approximate starting and completion dates, payment procedures, building permits, and any warranty details related to the materials used. Our Pros want to provide you with the most comprehensive estimate possible to ensure approval by your insurance company.

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Marked Hail Damage to an Asphalt Shingle in Johnsburg, IL

Choose a Roofing Company with Experience and Expertise

Be sure to hire a licensed, established, and bonded roofing contractor to replace your roof. Your insurance company will likely not cover a replacement done by an unlicensed contractor. Make sure to ask your project managers for certificates of insurance, including both liability and workers compensation. Be aware of Ghost Policies provided to you by companies that use subcontractors.

Make sure you are alert and be skeptical of bids that come in much lower than others for the same work. These may come from subcontractors and other companies with inadequate licensing and insurance. Be aware of contingency contracts! Never sign anything at the initial inspection. Some paperwork may trap you into agreeing that you must give the contractor the job if you are approved by insurance.

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Damage to a Vent Cap in Antioch, IL

Contact Your Agent

Now that you have secured an estimate for the replacement of the roof, you should get in touch with your insurance agency to find out what your policy covers and file a claim. Make sure to ask about your deductible amount, as you will be required to pay whatever deductible was agreed upon when you purchased your insurance policy. Additionally, find out what exclusions may apply in your coverage. Common exclusions include improper maintenance of the roof, the type of materials used (specialty shingles and more expensive materials may not be covered), and the age of the roof.

Once you know what your policy covers, it’s time to schedule an appointment with your insurance adjuster to come and look at the roof. It is important you call your project manager and let them know about the appointment, as they can help point out the damage to the adjuster to ensure full coverage of your roof replacement.  


Once your claim is approved and you are ready to proceed with replacing your roof you will choose a color from our expansive CertainTeed Landmark shingle portfolio. Your project manager will provide you with a contract and schedule your replacement. Our Pros ensure that you are taken care of and your roof is properly replaced and all necessary documents and communications are made with your insurance agency.


My-Pros operates throughout the Northern Illinois and Southern Wisconsin region, in cities like Rockford, Machesney Park, Belvidere, and Beloit. Give us a call at 1-844-648-2062 or click here to schedule a free estimate!


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1107 N Blackhawk Blvd Unit 6
Rockton, IL 61072