5 Insurance Claim Mistakes Roofing Contractors Should Avoid

Working with homeowners on insurance claims is a key part of storm restoration. However, many roofing contractors lose time, money, or credibility due to avoidable mistakes during the claims process. Here are 5 common insurance claim mistakes—and how to avoid them.

1. Not Documenting Roof Damage Properly

    •    Always take before-and-after photos and videos from multiple angles.

    •    Use drone imaging for aerial views, especially for hail damage.

    •    Submit detailed inspection reports with dates, measurements, and material lists.

2. Misunderstanding Insurance Policy Terms

    •    Familiarize yourself with terms like RCV (Replacement Cost Value) and ACV (Actual Cash Value).

    •    Ensure homeowners understand their deductibles and depreciation coverage.

3. Failing to Meet Deadlines for Filing Claims or Supplements

    •    Most policies require claims to be filed within 6 to 12 months after the storm.

    •    Submit supplements (e.g., for code upgrades) promptly and with proper documentation.

4. Not Advocating for the Homeowner During Adjuster Meetings

    •    Attend the insurance adjuster meeting with the homeowner to ensure all damages are assessed.

    •    Point out hidden damages, such as underlayment issues or soft spots from hail impact.

5. Overpromising on Insurance Coverage Outcomes (A Legal Risk!)

    •    Never guarantee that the insurance company will approve a claim or cover 100% of costs.

    •    Instead, say: “We will help you document your damage and work with your insurance adjuster to ensure a fair assessment.”

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We will provide you with pre-qualified homeowners already navigating the insurance process.

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