A Homeowner’s Guide to Navigating Roof Insurance Claims
When a storm damages your roof, the last thing you want to deal with is complicated paperwork, confusing insurance language, and the stress of coordinating repairs. That’s where Premier Restoration & Construction steps in. Our team has guided countless homeowners through the roof insurance claim process from start to finish—ensuring claims are handled correctly, fully paid, and stress-free.
If you’ve never filed a roof claim before, here’s what you can expect and how Premier makes the journey easier:
Why Work With a Professional on Your Roof Claim?
Filing a roof insurance claim involves more than just submitting paperwork. Insurers often use detailed inspections, adjuster reports, and specific claim requirements to determine coverage. Without expert guidance, homeowners risk missing key details, resulting in underpaid claims or unnecessary delays.
With Premier Restoration & Construction, you’ll have an experienced project manager and supplement team in your corner to:
- Represent your interests during adjuster meetings
- Ensure your claim is properly paid in full
- Handle documentation and communication with your insurance company
- Deliver high-quality roof repairs and replacements backed by warranties
Step-by-Step: The Premier Roof Insurance Claim Process
Here’s how we take the guesswork out of your claim and roof replacement:
- Sign a Contingent Contract
Your agreement with Premier begins with a contract contingent upon insurance approval for a full roof replacement. - File the Claim & Schedule an Adjustment
Your project manager will guide you in filing the claim and will personally attend the insurance adjustment to represent your interests. - Review the Adjuster’s Estimate
Once approved, you’ll share the adjuster’s scope of loss (estimate) with our team. - Claim Review & Supplements
Our supplement team carefully reviews the claim to make sure all damages are included and properly paid. If anything is missing, we negotiate directly with your adjuster. - Scope Review With You
We walk through the scope of loss so you understand exactly what’s covered. - Material Selection
With your project manager, you’ll choose your shingles, gutter colors, and confirm any additional trades (such as siding or paint). - Material Ordering & Delivery
We order the necessary materials and coordinate delivery directly to your property. - Scheduling
Your project manager communicates all delivery, installation, and inspection dates to keep you in the loop. - First Insurance Payment
On build day, your project manager collects the initial insurance check (commonly the ACV amount). - Roof Installation & Walkthrough
Our crew completes the build, followed by a final walkthrough and thorough clean-up. - Notice of Completion
Premier submits the notice of completion to your insurer, triggering the release of remaining funds (RCV). - Final Payment
Once you receive the final insurance check, your project manager collects it. - Warranties & Close-Out
We provide you with a paid-in-full invoice, warranty documents, and any additional requested information.
The Premier Difference
Insurance claims can feel overwhelming, but you don’t have to face them alone. By partnering with Premier Restoration & Construction, you gain:
- Peace of mind knowing experts are advocating for you
- Transparency at every step of the process
- Quality craftsmanship backed by warranty
- Timely communication so you’re never left guessing
FAQs About Roof Insurance Claims
Q: How do I know if my roof damage qualifies for an insurance claim?
A: Most policies cover damage from hail, wind, and storms. Premier offers free inspections to assess whether your roof qualifies for a claim.
Q: Do I need to meet with my insurance adjuster?
A: Your project manager from Premier will attend the adjustment meeting on your behalf to ensure all damage is properly documented.
Q: What if my insurance underpays my roof claim?
A: Premier’s supplement team reviews every claim and negotiates with your insurer to ensure you receive the full payout you deserve.
Q: How long does the roof insurance claim process take?
A: Timelines vary, but most projects move from inspection to installation in a few weeks once the claim is approved.
Q: What costs do I pay out of pocket for a roof replacement?
A: Typically, homeowners are only responsible for their deductible. Premier helps you understand exactly what your policy covers.
Ready to File a Roof Insurance Claim?
If your roof has been damaged by hail, wind, or severe weather, don’t wait. Premier Restoration & Construction is here to protect your investment and guide you through the insurance process with confidence.