Roof Insurance Claims | Right Now Roofing

Hassle-Free Roof Insurance Claims Assistance

Filing a roof insurance claim can be overwhelming, especially after storm damage or unexpected roof issues. At Right Now Roofing, we simplify the roofing insurance claim process, guiding homeowners through every step to ensure fair coverage and quality roof restoration. Our team is experienced in working with insurance companies to help maximize claim approvals while ensuring that your home remains protected with high-quality roofing materials.

Do You Have Roof Damage? Get a Free Inspection

Many homeowners are unsure whether their roof damage qualifies for an roof insurance claim. We offer a free roof inspection to assess the condition of your roof and determine if you should proceed with a claim. Common signs of damage include:

  • Missing or Damaged Shingles – High winds and hail can tear off or damage shingles, exposing your home to leaks. Studies show that missing shingles account for nearly 50% of roof-related insurance claims.

  • Leaks & Water Stains – Water intrusion from roof damage can lead to mold, rot, and structural issues. Untreated leaks can cause interior damage, leading to costly ceiling and drywall repairs.

  • Granule Loss – Excessive granules in gutters indicate shingle deterioration, which weakens the roof’s protection against the elements. According to the National Roofing Contractors Association, storm-related granule loss accelerates wear and shortens the lifespan of asphalt shingles.

  • Dents & Punctures – Hail and falling debris can cause dents and punctures in shingles, metal roofs, or flashing. Even minor dents can lead to moisture infiltration if left unaddressed.

  • Sagging or Warping – A sagging roof can be a sign of significant structural damage, often caused by prolonged moisture exposure or failing support systems.

When Should You Call a Roofing Contractor?

If your roof has suffered damage from storms, hail, wind, or falling debris, contact Right Now Roofing before filing a claim. We will:

  • Conduct a thorough roof inspection using advanced tools, such as drone imaging and thermal scanning, to detect hidden damage.

  • Document the damage with detailed photos and reports, ensuring you have solid evidence to support your claim.

  • Provide an expert assessment to determine whether your damage qualifies for an insurance claim, potentially saving you from unnecessary out-of-pocket expenses.

Roof Insurance Claim Process

Navigating the roof insurance claim process can be complex, but our step-by-step approach ensures that homeowners receive proper compensation for necessary repairs or replacements.

  1. Roof Inspection & Damage Documentation – We conduct a professional assessment, documenting all damage with high-resolution images and a detailed report that aligns with insurance requirements.

  2. File a Claim with Your Insurance Provider – Contact your insurance company and submit the necessary documentation. Our team can assist you in correctly filing the claim to prevent delays.

  3. Insurance Adjuster Meeting – We coordinate with the insurance adjuster to ensure all damages are accounted for, advocating on your behalf.

  4. Claim Approval & Coverage Details – Once approved, your policy will determine coverage based on Actual Cash Value (ACV) or Replacement Cost Value (RCV). Homeowners with RCV policies receive full coverage for replacement costs, while ACV policies factor in depreciation.

  5. Roof Repair or Replacement – Our team performs high-quality residential roofing repairs or full replacements using industry-best materials that exceed local building codes.

  6. Final Inspection & Documentation – We ensure the work is completed to your satisfaction and assist with final insurance paperwork, ensuring the claim is fully processed.

Understanding Roof Insurance Payouts: What to Expect

Insurance companies consider factors such as roof age, material, and policy type when determining payout amounts.

  • Wind Damage ($7,500 avg.) – One of the most common claims, wind damage can lead to missing shingles, lifted flashing, and structural weakening. Many policies cover wind-related repairs or replacements if documented properly.

  • Hail Damage ($11,000 avg.) – Hailstorms can cause dents, punctures, and granule loss, accelerating shingle wear. Hail damage often qualifies for replacement cost coverage (RCV) if reported promptly.

  • Leaks & Water Damage ($9,500 avg.) – Water intrusion can weaken roof decking, lead to mold growth, and compromise insulation. Insurance companies may cover these repairs if the leak resulted from a storm or covered peril rather than regular wear and tear.

  • Falling Debris ($6,800 avg.) – Trees and debris from storms can cause major structural damage. Insurance policies typically cover repairs or full replacements if the damage is extensive.

  • Fire Damage ($15,000 avg.) – Fires can destroy entire roofing systems, often resulting in full roof replacement claims. Insurance providers generally cover fire-related roof damage under standard policies.

How Right Now Roofing Can Help with Your Insurance Claim

Filing a roof insurance claim can be complex, but having proper documentation and a professional assessment ensures you receive the maximum payout possible. At Right Now Roofing, we assist homeowners by:

  •  Conducting detailed roof inspections with photo documentation

  •  Working directly with insurance adjusters to ensure all damages are accounted for

  •  Providing expert roof repair and replacement services using high-quality materials

If you suspect storm, wind, hail, or debris damage, don’t wait!Schedule a free roof inspection today, and let our experts guide you through the insurance claim process to protect your home and maximize your benefits.

Understanding Roof Insurance Policies: ACV vs. RCV

When filing a roof insurance claim, understanding your policy type is essential:

  • Actual Cash Value (ACV) – Your insurance company covers the depreciated value of your roof, meaning older roofs receive less reimbursement.

  • Replacement Cost Value (RCV) – This policy covers the cost to replace your roof with brand-new materials, without factoring in depreciation, ensuring full restoration.

Most homeowners prefer RCV policies as they provide higher payout amounts and reduce out-of-pocket expenses when dealing withstorm damage repairs.

Why Choose Right Now Roofing for Your Insurance Claim

Expert Insurance Assistance – We work directly with insurance companies to streamline your claim, reducing the stress of handling paperwork and negotiations.

  • Accurate Damage Assessment – Our detailed inspections ensure that all damages are included in the claim, maximizing your chances of approval.

  • Premium-Quality Repairs – We use top-rated roofing materials to ensure long-term durability and weather resistance.

  • Fast & Efficient Service – We understand the urgency of storm damage repairs and complete most insurance-related roofing work within days.

  • Licensed & Insured Roofing Contractors – Our team is fully licensed, bonded, and insured, providing peace of mind and quality craftsmanship.

Frequently Asked Questions

  • If your roof has suffered damage from wind, hail, heavy rain, falling debris, or fire, you may qualify for an insurance claim. Signs of claim-worthy damage include missing shingles, leaks, granule loss, punctures, or sagging areas. A professional roof inspection can help determine whether you should file a claim.

    • ACV policies cover the depreciated value of your roof, meaning you’ll receive a payout based on its current worth, not its original cost.

    • RCV policies pay for the full replacement cost, covering new materials without factoring in depreciation. Most homeowners prefer RCV coverage to reduce out-of-pocket costs for roof replacement.

  • Most insurance providers require claims to be filed within 6 to 12 months after the damage occurs. However, timelines vary by provider. It’s best to file your claim as soon as possible after a storm to avoid claim denials. Right Now Roofing can assist with fast damage assessments and claim documentation.

  • Filing a claim for storm or weather-related damage typically won’t increase your rates since these are classified as Acts of Nature. However, if you file multiple claims within a short period, your provider may adjust your policy or increase premiums.

  • Insurance claims can be denied for various reasons, including pre-existing roof conditions, lack of maintenance, or improper documentation. If your claim is denied, we can:

    • Review your denial letter and help appeal the decision.

    • Provide additional inspection reports and damage documentation.

    • Assist in re-negotiating with your insurance provider.

  • Yes! While some insurance companies recommend contractors, you have the right to choose a trusted, licensed roofer. Right Now Roofing works directly with insurance companies to ensure quality repairs and proper claim handling.

  • If your policy includes a deductible, depreciation, or coverage limits, your payout may not cover the entire cost. We offer flexible financing options to help cover any gaps so you can get your roof restored without financial strain.

  • Yes! A professional roof inspection ensures you have accurate damage documentation before filing a claim. Submitting an incomplete or inaccurate claim could result in delays or denial by the insurance provider.

  • The timeline depends on your insurance company and the extent of the damage. On average:

    • Inspection & Filing: 1-2 days

    • Adjuster Inspection: 5-10 days

    • Claim Approval & Processing: 2-4 weeks

    • Roof Repairs or Replacement: 1-3 days after approval

  • Most policies do not cover damage caused by:

    • Wear and tear or old age

    • Neglect or lack of maintenance

    • Improper installation

    • Pre-existing issues If your damage is not covered, we provide roof repair solutions and preventative maintenance plans to help protect your home.

BUILDING TRUST, NOT JUST ROOFS

Our team is fully licensed and insured for your protection.

LET’S TALK ROOFING.