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Roofing Insurance Claims

Your Local Partner for Roof Damage Claims

Dealing with roofing damage claims can feel overwhelming and frustrating for many homeowners. Insurance companies often have strict processes, confusing terminology, and lengthy requirements that make it hard to get your roof damage properly covered. Even if your roof has suffered damage that’s clearly covered under your policy, you might find yourself caught in back-and-forth communications or even dealing with a denied claim, leaving you unsure of how to move forward.

You don’t have to go through this alone. Our team at Hargrove Roofing can help guide you through the paperwork, and support you throughout the entire process. Our goal is to take stress off your shoulders and make the insurance claim process as smooth as possible from start to finish. We can meet your insurance adjuster at your home to discuss the damage your roof has sustained – all at no cost to you. Then, our roof repair experts can timely submit accurate damage estimates to your insurer to swiftly complete the necessary work. With our professionalism and dedication to quality, we aim to make getting the repairs your home needs a hassle-free experience.

If you’re struggling to navigate roofing insurance claims after your roof has suffered storm damage, give us a call at (888) 415-2299 or contact us online! We are available 24/7 for emergency roof repairs.

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What to Do After Discovering Roof Damage Covered by Your Homeowner's Insurance

Discovering roofing problems after a storm can be stressful, especially if the damage appears to be significant. Knowing what steps to take can help you effectively address the situation and get the repairs your home needs as efficiently as possible.

Here’s a step-by-step guide on how to approach roofing insurance claims after you find damage that appears to be covered under your policy:

Assess the damage safely. The first thing to do is evaluate the extent of the damage, but safety should always come first. If the damage is obvious and severe, such as a collapsed section or fallen debris, avoid putting yourself at risk by climbing on the roof or entering unstable areas. Instead, visually assess the damage from a safe distance or from inside your home. Look for signs like missing roofing materials, punctures, leaks, or structural damage.
Document the damage. Take detailed photos and videos of the damage, both from the inside and the outside of your home. Capture close-up shots of the affected areas as well as wider angles that show the overall impact. Document any secondary damage, such as water stains on the ceiling, damaged furniture, or debris scattered around. This step is critical for supporting your insurance claim. The more evidence you collect, the stronger your case will be when you file.

Reach out to our team at Hargrove Roofing. Our professional roofers can inspect your roof, fully document our expert assessment of the extent of the damage, and discuss your claim with your insurance adjuster when they come to meet you.
Protect your home from further damage. If possible, take steps to temporarily prevent additional damage while waiting for assistance or repairs. For example, use a tarp or heavy plastic sheet to cover exposed areas of the roof to keep rain or snow from entering your home. Inside, you can place buckets under leaks to contain water and move valuables away from wet areas. Acting quickly can help limit additional problems.
Review your insurance policy. Before filing a claim, it’s a good idea to review your homeowner's insurance policy to see what damages are covered. Pay attention to the specific perils that trigger coverage, such as storms or fallen objects, and any listed exclusions. Also, note your deductible amount to understand the potential out-of-pocket costs for repairs.
Contact your insurance company. Once you’ve gathered information about the damage and reviewed your policy, call your insurance company to report the incident. Be prepared to provide details about what happened, when it occurred, and the extent of the damage. Share documentation you’ve collected, such as photos and videos, to support your claim. Your insurance company will assign an adjuster to assess the damage and determine the amount of coverage available.
Avoid permanent repairs before the adjuster’s visit. While temporary fixes are encouraged to prevent further damage, don’t make or schedule permanent repairs until the insurance adjuster has evaluated your property. Doing so could complicate the claims process or reduce the compensation you receive. Save all receipts for temporary repair materials or services, as these may be reimbursed.
Meet with the insurance adjuster. An adjuster will visit your property to inspect the damage and verify your claim. We can be there to provide our findings, and review recommended repairs or replacements.

If the damage your roof sustained is covered and your insurer approves your claim, we can work with them to complete all needed work. We can also walk you through your options if your insurer denies your claim.

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What Kind of Roof Damage Is Usually Covered by Insurance?

Homeowner’s insurance policies can be a crucial safety net when unexpected roof damage occurs. While you should refer to the specific language in your policy, many forms of roof damage resulting from specific events or scenarios are often included in coverage.

Some of the most common types of roof damage that homeowners can generally expect their policies to address include:

Wind damage. Severe winds from storms, hurricanes, or tornadoes can cause roofing materials to loosen, curl, or blow off entirely. This type of damage is often covered because it’s directly linked to a natural disaster or weather-related event.
Hail damage. Hailstorms can wreak havoc on a roof, leaving punctures, dents, or bruises in shingles and other materials. While this type of damage may not always be immediately visible, it can weaken the roof’s integrity over time. Most homeowner’s insurance policies cover hail damage, but specific conditions might apply based on your geographic region.
Falling objects. When a tree branch, large limb, or other debris falls on your roof during a storm or because of high winds, the resulting damage – whether it’s a dent, hole, or collapsed section – is typically covered. Some policies also address interior damage caused when falling objects create an opening in the roof.

Storm-related water damage. If heavy rain infiltrates your home due to roof damage caused by a covered peril, such as a storm or high winds, the resulting water damage is often covered. However, this might not apply to water damage caused by pre-existing maintenance issues or neglect.
Fire damage. Fire, whether it’s caused by lightning or other accidental events, can devastate a roof. Homeowner’s insurance policies often cover the cost of repairing or replacing roofs damaged by fire as long as the cause falls within the covered risks outlined in the policy.
Snow and ice damage. Accumulated snow or ice can put excessive weight on your roof, potentially leading to collapse or leaks. Policies frequently cover damage resulting from these scenarios, though exclusions may apply if proper maintenance, like snow removal, wasn’t performed.
Damage from sudden accidents. Some insurance policies address sudden, unpredictable incidents like an unexpected explosion or damage caused by vehicles crashing into your home. These rare events can compromise a roof’s stability and structure, and the cost to repair them may be included in coverage.

Not all types of roof damage are necessarily covered, however, and most policies typically exclude coverage related to:

Normal wear and tear. Most homeowner's insurance policies exclude coverage for damage that results from age or regular wear and tear on the roof. For example, shingles may crack, curl, or lose granules due to prolonged exposure to the elements. Because this type of damage is considered a maintenance issue, it is usually the homeowner’s responsibility to repair or replace the roof as needed.
Neglect or lack of maintenance. If a roof is damaged due to neglect, such as failing to address leaks, clear debris, or replace worn materials, insurance may not provide coverage. For example, untreated small issues that grow into larger problems over time are often excluded because they could have been prevented with proper upkeep.
Damage caused by pests. Infestations or damage caused by animals like squirrels, birds, or insects are not typically covered. This includes issues like holes, nesting damage, or structural compromises caused by pests. Since these are considered preventable problems, homeowners are generally expected to address pest management themselves.
Damage from improper installations or repairs. If a roof was not installed correctly or previous repairs were completed poorly, insurance companies often exclude resulting damage. For instance, faulty materials, improper sealing, or misaligned shingles can lead to leaks or other problems, which are viewed as a result of workmanship issues rather than external events.
Certain types of water damage. While water damage caused by sudden, covered events like storms can often be covered by insurance, slow leaks or damage due to long-term moisture exposure are usually excluded from policies. For example, water damage caused by clogged gutters or poor ventilation may fall outside the scope of your policy.
Manufacturer defects. Damage resulting from defective roofing materials is generally not covered by insurance. Instead, homeowners are expected to work with the manufacturer for any applicable warranties to address issues like premature deterioration or product failures.

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Flexible Financing Offering Convenient Plans to Make Your Project As Affordable As Possible

When You Discover Storm Damage, We Have Your Back

Navigating repairs and replacements through roofing insurance claims can be a complex process, but our team works to simplify it for homeowners every step of the way. With extensive experience working pursuant to insurance claims, we know how to work efficiently with adjusters for your roof repairs. From fixing storm-related wind and hail damage to addressing leaks, fallen debris impacts, and even full roof replacements, we have the skills and resources to handle it all. We not only provide top-quality work but also work to make the claims process smoother by offering thorough damage assessments, detailed repair estimates, and clear communication with your insurance provider.

If you’re preparing to file an insurance claim linked to roof damage, give us a call at (888) 415-2299 or contact us online!

“You won’t be disappointed!”
Can’t say enough great things about George and Hargrove. They worked within my budget and George went above and beyond to take care of us. Knowledgeable, professional, and very good to work with! The crew worked efficiently, safely, and they cleaned up the work area after the job quite well. The roof is beautiful. Seamless and easy transaction from start to finish. I HIGHLY recommend Hargrove! You won’t be disappointed!

- Joye R.
“... I couldn't be more satisfied with the experience”
I recently had the pleasure of working with Zach Holm, and I couldn't be more satisfied with the experience. Zach's extensive knowledge of working with insurance companies made the entire process seamless and stress-free. He took the time to explain every step and ensured that all documentation was handled efficiently.

What truly stood out was Zach's impeccable attention to detail. He meticulously inspected every aspect of the roofing project, ensuring that nothing was overlooked. His commitment to quality and precision was evident in the final result, which exceeded my expectations.

Moreover, Zach's customer service was outstanding. He was always available to answer questions, provide updates, and address any concerns I had. His friendly and professional demeanor made the entire experience pleasant and reassuring. I highly recommend Zach Holm and for anyone in need of roofing services. His expertise and dedication to customer satisfaction are truly commendable.

- Paige
“Highly recommend!”
I had a fantastic experience with this business! The service was top-notch, and the Zach was incredibly friendly and helpful. I love how they went above and beyond to make sure I was satisfied. Highly recommend!

- Jolee G.
“He truly went above and beyond to ensure I was satisfied with the work.”
I recently had the pleasure of working with Zach Holm, a roofing consultant, and I can't say enough good things about him. From start to finish, Zach was professional, courteous, and highly skilled. He provided a thorough assessment of my roofing needs and offered a competitive quote. Throughout the project, Zach was always available to answer my questions and made sure everything was running smoothly. The work was completed on time and with great attention to detail. The quality of the materials used and the craftsmanship were top-notch. I highly recommend Zach Holm to anyone in need of roofing services. He truly went above and beyond to ensure I was satisfied with the work.

- Harlie E.
“Thank you Hargrove!!!”
My new roof was installed last Tuesday. Dylon stayed in constant contact with about the status. Overall, communication was great! They arrived on time and finished earlier than expected. Roof looks great! We shall see how it holds up to Texas hurricanes, fingers. Thank you Hargrove!!!

- Nikki
“I HIGHLY recommend Hargrove! You won’t be disappointed!”
Can’t say enough great things about Dylon and Hargrove. Dylon went above and beyond to take care of us. Dylon is very polite, and easy to work with. He worked wonderfully with the insurance company for us. He is Knowledgeable, professional, and very good to work with! The crew worked efficiently, safely, and they cleaned up the work area after the job quite well. The roof is beautiful. Seamless and easy transaction from start to finish. I HIGHLY recommend Hargrove! You won’t be disappointed!

- Dawn B.
“If your home is in need of a roof, look no further Hargrove Roofing has you covered.”
Hargrove Roofing Houston, Texas did a great job from start to finish on replacing our roof. Pricing was great and we were treated like family by everyone involved from the roofing crew to the sales team. We had five bids and Hargrove beat them all. Financing is also available. Our contact person Shaina Gallegos was fantastic. If your home is in need of a roof, look no further Hargrove Roofing has you covered.

- Don S.
“Highly recommend Hargrove Roofing!”
Super professional team! Kingsley Nlemchi helped us from start to finish and when the crew came out they were done in only a few hours and had the whole area cleaned up as if nothing had changed. Highly recommend Hargrove Roofing!

- Jake N.

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