When your roof gets damaged by hail, wind, or another natural disaster, the last thing you want to deal with is a denied claim from your insurance company. At Liberty Restoration Group, we know how overwhelming it can be to navigate the maze of home insurance policies, inspections, and paperwork — especially during an emergency. But don’t worry — we’re here to help you through every step of the process so you can get the insurance coverage you need for your roof replacement without the stress.
Below, we’ll break down the essential steps homeowners need to take to get their insurance to cover a roof replacement. Whether you’re dealing with storm damage or wear and tear that turned into a much larger issue, these steps will guide you through making a strong claim and getting your home back in shape.
Step 1: Understand What Your Insurance Policy Covers
Before you do anything else, take a good look at your homeowners’ insurance policy. Every insurance policy is different, but most cover roof replacement or roof repairs if the damage is caused by a sudden, unforeseen event like a storm, tornado, hail, fire, or natural disaster.
However, damage from wear and tear, lack of maintenance, or mold may not be covered. For example, if your roof shingles are simply aging or you’ve delayed routine maintenance, the insurance company may argue that the damages were preventable. That’s why knowing what’s written in your policy — especially around roofing, liability insurance, and exclusions — is key to building a successful claim.
Step 2: Schedule a Professional Roof Inspection
After a severe weather event like a hailstorm, flood, or high winds, it’s important to act fast. Don’t wait for signs of water damage to show up on your ceilings or garage door — schedule a roof inspection with a trusted roofing contractor like Liberty Restoration Group.
Our experts will assess the condition of your roof, identify damages, and document any issues like missing roof shingles, a leaking flat roof, or structural damage. This documentation is essential when submitting your claim. A good contractor knows how to spot hidden signs of damage that homeowners might miss, such as cracks in a metal roof, soft spots from water intrusion, or mold developing in the attic.
Step 3: File Your Insurance Claim Quickly
Once you’ve confirmed there’s damage, it’s time to file your insurance claim. Don’t delay — insurance companies often have time limits for filing claims after a storm or natural disaster. Provide all the details gathered from your inspection, including photos and written reports.
You’ll also want to include a quote for the roof replacement or repair from a certified roofing company. This gives your insurance company a realistic estimate for the necessary work. Keep in mind that your deductible will apply, meaning you’ll be responsible for part of the cost before your insurance coverage kicks in.
Step 4: Be Present for the Adjuster’s Visit
After your claim is filed, your insurance company will send out an adjuster to verify the damages. It’s crucial to have your roofing contractor present during the adjuster’s visit. Why? Because we can speak the same language as the adjuster and advocate for the full replacement or repairs you actually need.
At Liberty Restoration Group, we understand the tactics some adjusters may use to minimize your reimbursement. We’re here to make sure the full scope of damages is recognized — including those hidden beneath the surface that could lead to bigger expenses later on, like interior water damage, mold, or even construction code violations.
Step 5: Watch Out for Storm Chasers and Fraud
Unfortunately, storm chasing contractors often show up in neighborhoods hit by storms. They offer fast repairs, ask for upfront payment, and then vanish — leaving homeowners with poor workmanship or unfinished jobs. Even worse, working with the wrong contractor could make your claim look suspicious and raise red flags for insurance fraud.
Always work with a local, reputable roofing company like Liberty Restoration Group. We’re licensed, insured, and familiar with building codes, insurance protocols, and emergency response best practices.
Step 6: Explore Financing Options If Needed
Even with a successful claim, your deductible, additional repairs, or upgrades may leave you with some out-of-pocket costs. We understand that a new roof is a major investment, and not everyone has a stack of cash sitting around for surprise home repair needs.
If needed, we can guide you through your options. We’ll help you find a solution that works for your credit, interest rate goals, and financial comfort level.
Step 7: Stay Proactive With Roof Maintenance
Once your roof replacement is complete, don’t forget to keep up with regular maintenance. Cleaning out gutters, checking for cracked roof shingles, and inspecting your attic after storms can help prevent future issues — and make your life a lot easier if you ever need to file another home insurance claim.
Insurance companies often ask for proof that you’ve taken care of your property. Staying proactive protects your homeowners’ insurance policy, extends the lifespan of your roof, and keeps you in good standing with your provider.
Let Liberty Restoration Group Handle the Hard Work
Getting insurance to cover your roof replacement doesn’t have to be a stressful ordeal. With the right knowledge, a reliable roofing contractor, and expert guidance through every step, you can protect your property, finances, and peace of mind.
At Liberty Restoration Group, we’re more than just a roofing company — we’re your advocates during some of life’s most unexpected challenges. Whether you’re dealing with storm damage, water leaks, or the aftermath of a fire, our experienced team knows how to help with getting insurance to cover your repair or replacement.
Contact us today to schedule your roof inspection and get started on your path to a stress-free roof replacement. Let us help you get the coverage — and the craftsmanship — you deserve.
