Step-by-step: how to file a roof insurance claim without creating avoidable problems
1) Prioritize safety and stop the “next” damage
If you see a leak, don’t wait for it to “dry out.” Place buckets, move valuables, and protect flooring. If water is near electrical fixtures, keep the area off-limits and consider calling a professional. Insurance typically expects reasonable steps to prevent further loss—this is called mitigation.
2) Document first, then do temporary repairs
Take wide photos from each side of the property, then closer photos of problem areas (missing shingles, exposed underlayment, dented vents, torn flashing). Inside, photograph water staining and any active dripping. After documentation, use tarps or temporary sealing where needed—then keep every receipt.
3) Get a professional roof inspection (especially if hail is suspected)
Hail damage isn’t always visible from the ground. A qualified inspection can identify bruising, granule loss patterns, ridge/hip vulnerability, and accessory damage (vents, caps, soft metals) that often supports the claim. It also helps confirm whether the damage is storm-related versus aging.
If you’re in Boise and want a clear plan, Team Construction offers complimentary inspections and can explain findings in plain language.
4) File the claim promptly and keep a simple claim log
When you contact your insurer, ask for the claim number and write down the adjuster’s name, phone number, and email. Keep a running log of every call, voicemail, and document sent. This alone prevents a lot of “lost in the shuffle” delays.
5) Be present for the adjuster visit (and bring your contractor if possible)
Claims go smoother when the adjuster sees the same evidence your contractor sees. If items are missed (flashing, vents, drip edge, gutters, code-related components where applicable), it can reduce scope and create back-and-forth later.
6) Review the estimate like a checklist, not a mystery document
Compare the insurer’s scope to what’s actually required to restore the roof system (not just the shingles). Look for missing line items such as underlayment replacement, flashing, pipe boots, vents, ridge components, starter strips, and proper disposal. If there’s a gap, your contractor can submit a supplement with photos and documentation.
7) Understand ACV vs. RCV so you’re not surprised by the first check
Many policies pay Actual Cash Value (ACV) up front, then release additional funds after completion (often called recoverable depreciation) if you have Replacement Cost Value (RCV) coverage. Your contractor can help you organize final invoices so depreciation release doesn’t stall at the finish line.