Insurance Claims

Many homeowners’ insurance policies cover damage caused by unexpected events, but knowing the specifics of your policy is key.

At Five Points Roofing, we understand that filing an insurance claim for roof repairs or replacement can feel overwhelming. That’s why we’re here to guide you every step of the way. From understanding your policy to ensuring you get the coverage you deserve, our experienced team is your trusted partner in navigating the insurance process.

Not sure if your roof damage is covered? Let our experts evaluate your situation and provide guidance.

When Does Insurance Cover Roof Replacement?

Most homeowners’ insurance policies cover roof damage caused by sudden, unexpected events. Here are some common scenarios that are typically covered:

• Storm Damage: High winds, heavy rain, and falling trees can wreak havoc on your roof. Insurance often covers repairs or replacements for such storm-related damage.
• Hail Damage: Hail can leave dents, cracks, or punctures on your roofing materials. Promptly filing a claim can help you secure coverage for repairs.
• Wind Damage: Missing shingles or debris damage caused by strong winds are generally covered under most policies.
• Fire and Natural Disasters: Fires, lightning strikes, and other natural disasters are usually covered, though specific disasters like earthquakes or floods may require additional endorsements.

When Insurance Does Not Cover Roof Replacement

Insurance doesn’t cover every type of roof damage. Here are some examples of situations where your claim may be denied:

• Aging Roof: If your roof has reached the end of its expected lifespan, replacement costs might not be covered.
• Lack of Maintenance: Neglected roofs with visible issues like moss buildup or missing shingles may result in claim denial.
• Gradual Wear and Tear: Insurance typically doesn’t cover damage caused by normal aging or long-term exposure to the elements.

Check your with your insurance carrier about your policy for more specific information.

We’ve found that filing a roof damage claim can be broken down into 6 simple steps.

Step 1: Get An Inspection From A Licensed Contractor

Step 2: File The Claim With Your Carrier

Step 3: Meet The Carrier’s Adjuster At The Insurance Inspection

Step 4: Review Your Roof Estimate, First Check, And Claim Documentation

Step 5: Select Your Materials & Colors

Step 6: Get Your Roof Installed And Pay After Completion

We combine decades of experience with a client-first approach to ensure your claim process is smooth and successful. Here’s how we help:

Professional Inspections: Our HAAG-certified inspectors ensure every detail is accounted for in your claim.

Guidance and Support: We assist you in understanding your policy and help liaise with your insurance company.

Expert Replacements: From high-quality materials to impeccable craftsmanship, our team restores your roof to its best condition.

Get Started Today

Don’t let roof damage disrupt your life. Contact Five Points Roofing today for expert guidance on your insurance claim. Call us at 615.794.4001 or fill out our roof inspection form to schedule a professional inspection. Let us handle the complexities of your insurance claim so you can focus on what matters most.