Filing Your Claim Playbook

Contact your insurance company immediately after damage occurs. Most policies require claims to be filed within 24-72 hours. Delaying can result in claim denial.

When calling, have your policy number, date and time of damage, type of damage, and a brief description ready. Be prepared to answer questions about the incident.

Request and write down your claim number immediately. This is your reference for all future communications. Ask for the adjuster's name and contact information.

Submit initial photos and description of damage through your insurance company's portal or email. Include date-stamped photos showing the extent of damage.

Get a professional roof inspection from a certified roofer. Their detailed report and estimate will support your claim and help ensure all damage is identified.

Include your roofer's detailed estimate with your claim. Professional estimates carry more weight than DIY assessments and help establish fair repair costs.

If you made temporary repairs to prevent further damage, document them with photos and keep all receipts. These costs are typically covered by insurance.

Stay in contact with your insurance company. Follow up on claim status, ask questions, and ensure the process is moving forward. Keep records of all communications.