Filing A Roof Damage Claim With Insurance

Roof Claim Process Overview

Don’t get a roof claim denied! We’ve got a lot of detail about how to file a roof damage claim with your insurance carrier on this page so let’s sum it all up in one section. For all the details, scroll down below to read more about each step.

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

Seems easy right? If you want to know more… read below about the details of each step or better yet, go ahead and set up a free Five Points roof inspection and roof damage claim consultation! It’s FREE!

Request A Five Points Roof Inspection

Tip: Knowing What To Expect On A Roof Insurance Claim Helps

Knowing the process before you file ensures a higher level of a successful claim and ensures you don’t get denied.

Step 1: Pre-Claim Damage Inspection

Before You File An Roof Insurance Claim!

Don’t file a roof damage claim with your insurance carrier until you’ve had a thorough roof inspection and have consulted with a licensed roofing professional to ensure the amount of damage sustained to your roof would be eligible for repair or replacement. What appears to be roof damage from the ground level could often be age or wear that your policy may not cover.

During your initial inspection, ensure your contractor thoroughly documents all damage with photos and provides an inspection report. This will save time and reduce the likelihood of having multiple reviews to ensure your carrier extends coverage. When selecting a roofing contractor, ask how many insurance claims they typically work with annually to ensure they have experience handling a claim.

Five Points Roofing will thoroughly document your loss and take extensive pictures from the ground, in the air with a drone (we’re FAA-licensed pilots), and on your roof. You and your carrier will need these photos and a damage report to expedite the claims process. Once we complete our inspection, and if it’s determined that a claim should be filed, we’ll let you know to proceed to the next step in the roof damage claims process.

Request A Five Points Roof Inspection

Tip: Even If You See Damage, Don’t File Without A Full Inspection

Don’t erroneously file a claim and hope it gets approved, as you could receive a denial and it could cause rates to increase. Have your contractor advise if a claim should be filed or not.

Step 2: File A Roof Damage Claim With Your Insurance Carrier

Filing A Roof Insurance Claim

After roof damage has been confirmed, the next step is to file your claim directly with your insurance carrier. You can do this either online, by calling your carrier’s general customer service number, or by contacting your agent.

You’ll likely be asked a few essential questions that you should be prepared for:

  • What is damaged?
  • When did you notice the damage?
  • What date did the damage occur? (Your contractor will provide a date of loss)
  • What is the dollar value of the damage? (Get an estimate from your contractor)
  • Do you have any photos or other documentation of the damage?

After providing the relevant information to your carrier, they will schedule a field adjuster to come to your property to inspect the reported damages. We’ll discuss this inspection appointment in the next step.

We Work With All Insurance Carriers

Step 3: Insurance Carrier Adjuster Inspection

Adjuster Meeting & Inspection

After your claim has been successfully filed, your carrier will schedule a time for their field adjuster to visit your property and inspect all damages reported in your claim. It would help if you had the qualified contractor of your choice on-site for this inspection. Some carriers will suggest a contractor for you or even tell you that you must use their approved contractor to repair the damages. While this sounds harmless, most states give homeowners legal rights to select contractors for insurance claim-based repairs.

While most insurance carriers have good intentions, sometimes due to an adjuster’s ignorance or ill will (due to illegal monetary kickbacks) will occasionally play a part. Due to the nature of an insurance claim, it’s always the best choice to hire your own contractor after doing research and due diligence on reputable companies in your area. One of the best things you can do is read online reviews of the contractor you’re thinking of hiring.

Important:

Make sure your contractor is on-site for the insurance adjuster’s inspection. Insurance adjusters are not contractors, and many don’t understand the local code requirements, building standards, and materials required to repair a roof back to its pre-loss condition. By having your contractor on-site, they will be able to explain the repair methods required so that your adjuster can write an appropriate repair or replacement estimate.

Tip: Ensure A Roofing Inspector Is On-Site For The Adjuster Inspection

Five Points Roofing inspectors are on-site for every adjuster meeting. We’re here to advocate for you and ensure your roof is repaired correctly and uses the same or better materials than initially installed. While many adjusters are competent in roofing techniques, make sure you don’t get short-changed by an inexperienced adjuster that doesn’t understand basic construction concepts.

Read Our Online Reviews

Five Points Roofing
4.9
Based on 218 reviews
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Jeffrey OlssonJeffrey Olsson
19:16 11 Nov 22
Smart business owners to have Darcy as the main point of contact. She’s super pleasant and prompt at returning texts and calls. Mike was our foreman and he too was super nice and patient in answering my questions. The flashing repair that they did was the icing on the cake and made me feel like I got a quality job done. I highly recommend 5PR.
M CM C
13:15 22 Oct 22
Five Points Roofing did an excellent job from inspection, best estimate, and workmanship. I have a 3200 sq ft house they completed in 1 day! Incredible job and excellent customer service! I searched many roofing companies and Five Points was highly recommended and local and they did not disappoint. Call Matt Wilson today for your free inspection and estimate, he was awesome to deal with, no pressure, extremely friendly and aims to please. Matt and Five Points will always be my roofing company and I’ve had several friends follow my lead and all are completely satisfied with their jobs as well.
Carter ToungetteCarter Toungette
19:19 31 Aug 22
After 2 friends highly recommended Five Points Roofing, I decided to go with Five Points for a roof replacement on an investment property. Darcy was absolutely amazing to work with, she was great at communication and explaining the process. Process was easy and smooth. We are very pleased with the quality of work done and would highly recommend.
Steve JohnsonSteve Johnson
22:35 29 Aug 22
After 2 hail storms in the same day, 5 pts was out and inspected. Matt was great through the whole process and answered all our questions. Everything went as planned and the cost was the cost. Highly recommend Matt and team!! If we ever need roof repair or replacement, we will not hesitate to call 5 points.
Leanne HoefflerLeanne Hoeffler
20:13 26 Aug 22
From beginning to end Five Points Roofing earned five stars from us! We were very impressed with the positive energy from the entire crew. All of the employees were extremely professional. Kira was our contact for the initial inspection, insurance approval, installation details as well as following up with our insurance adjuster. Zillon was the crew manager and he and his crew were very professional and skilled. Our new roof is beautiful!
James SmithJames Smith
00:08 02 Aug 22
I want to thank Five Points Roofing for the awesome job they did on my roof. They were very courteous and kept us informed throughout the process. Darcy was always on top of things. David and his crew were quick, efficient, and extremely careful. Other companies need to use Five Points as a business model.
Shelly LoreyShelly Lorey
18:52 13 Jul 22
Everything about this company is first class! From my first meeting with Nathan, to the scheduling and constant communication, to Jorge and his amazing crew. They showed up exactly on time, worked so efficiently, went above and beyond protecting my landscaping, and cleaned everything up all by 1:15pm. Best company I’ve ever dealt with in all the things I’ve done to my home. I can’t recommend them enough!
Rick HarrisRick Harris
18:09 13 Jul 22
Excellent experience with Five Point Roofing. Great communication throughout the entire process. Hard working people who did an amazing job. Highly recommend.
smittysmitty
19:05 16 Jun 22
Entire crew was very professional from the project managers to the install crew. Crew made every effort to not damage landscaping and their daily cleanup was outstanding. Worked under very trying conditions, extreme heat, but did not slack off. A special thank you to our sales rep, Kira, for her attention to detail and her responsiveness to our requests. Will definitely recommend all personnel involved to anyone who asks about Five Points work. Thanks again everyone; Hoyt and Nancy Bedingfield-
Lynette RobertsonLynette Robertson
00:04 16 Jun 22
Doug Price rocks! I never expected someone from a roofing company to give such persistent energy dealing with my insurance company following storm damage. Doug has gone the extra mile in working through the barriers put up by my insurance company for the past several months. I think most would have moved on to easier customers. In all of my similar experiences, I have not seen such professionalism and willingness to prioritize my needs. I don't often give reviews, but I cannot miss the opportunity to acknowledge how great it has been working with Doug. If you are in need of roofing services, don't hesitate to call Five Points Roofing. Ask for Doug. You won't regret it.
tim sawyertim sawyer
22:31 08 Jun 22
I have used five points for three different roofs on my in-laws my parents and my own roofs. They are people that you can count on do do what they say they are going to do and show up when they are suppose to. George and his crew were consistently professional and were constantly checking to make sure it was all done correctly. There is a reason that I keep using them and that is because I can trust them to do the job correctly. You will not be disappointed with this company
Alyse FigueroaAlyse Figueroa
17:10 07 Jun 22
My sales rep Nathan was always easy to reach, responsive, and provided incredible customer service. David, Dylan, and their team arrived on time and stayed late to complete the project in record time! They paid extra attention to gather up any stray nails so my dog and son would stay safe. I would definitely recommend them.
Kate SmithKate Smith
20:21 31 May 22
Highly recommend Five Points! We had a roof leak from an old worn down seal. Nathan came out immediately to inspect our roof and was back to fix it before it rained again. We will definitely give them a call when it’s time to replace our entire roof. I reached out to them because of their excellent reviews and I’m so glad I did!
Tara FoxTara Fox
15:31 27 Apr 22
We just used Five Points and I highly recommend them. Everything was easy from beginning to end. Darcy is great to work with and communicates everything so it runs smoothly. We have a pool and I was worried about debris etc. They were very conscious of that and made sure everything was cleaned up. We had some issues with insurance check and they have been very patient while we are working through that. Darcy and the whole crew are awesome.
pm1035pm1035
23:56 19 Apr 22
I would highly recommend Five Points Roofing to anyone needing a new roof. These Google reviews do not lie! I called Five Points Roofing because I noticed an extremely small leak in our sunroom. Nathan the roofing consultant showed up on time and took a look at our roof. He indicated we had hail damage! From that point on Nathan took charge in dealing with the insurance adjuster and got it approved. We were getting a whole new roof! I was truly amazed! The repairs were planned and that morning I met with David the project manager. David walked me through what was going to happen that day. His team of roofers stripped the roof, repaired much of the damage to the sub roofing and started installing the shingles. This was like watching a swat team of skilled roofers.My wife and I were shocked that they accomplished this all in one day. Even our neighbors were astonished by the quality of the work they did. Thank you Five Points for doing such a great job and hiring Best In Class employees.Thanks,Pieter
Ann AnglinAnn Anglin
17:07 30 Mar 22
Five Points just installed my roof. I was dreading this purchase, but this turned into a very easy purchase. When I called Five points they came out next day. We finalized deal in a week. Nathan kept me updated and they installed roof 4-5 weeks. Everything they told me they did. Their crew was great, installation was good and clean up was excellent. This is now my roofing company to use and recommend. Good people. 5 stars.
Wendy FiedorWendy Fiedor
19:10 24 Mar 22
Nathan was such a great ambassador for your business. He was informative and pleasant. Will definitely use five points and recommend to friends!
Steve SniderSteve Snider
14:37 03 Mar 22
Last spring we had a hail storm come through Thompsons Station and Spring Hill that did significant damage to the homes in our area.I scheduled an appointment and met with Doug.He was very down to earth and professional.I work in restoration , so I knew what needed to be done and he was straight forward and honest from the start.He worked with my adjuster and the process went great. We were so happy with the service I referred two of my other neighbors to Doug and they used Five Points Roofing also.Thank you Doug and Five points for your fantastic service and wonderful job!
Jodie GambillJodie Gambill
01:46 19 Feb 22
Five Points just installed a brand new roof on our home, and I can't express how happy we are with this company! Nathan led us through the process from start to finish -- very responsive to our questions and kept us up to date on scheduling. Ellmo and the installation crew did an amazing job over the two-day job. They were on time, respectful of our property, and answered my questions with a smile. My favorite part was how CLEAN the yard was once they were done! They take great pride in this, and that meant a lot to me as a homeowner. We had a minor issue with part of our gutter that we didn't notice til a few days later, but Five Points had someone come out the next day to fix it, no questions asked. Everyone we've interacted with has been truly top-notch. You can tell they value customer service highly, which is hard to come by these days. We will most definitely use them again in the future.
LISA ANGELLELISA ANGELLE
22:03 31 Jan 22
I absolutely love this company!!! Starting with Ms. Darcy, who co-ordinated everything - professional, knowledgeable & an absolute JOY to work with! Her installation team, led by Jorge, is utterly professional - puntual, respectful, FAST & what a FABULOUS job they did!!! Jorge is a great communicator! Our house roof & our garage roof are beautiful!!! Darcy has helped several of our neighbors replace roofs on their homes – all have had the same experience – total professional and an absolute “doll” of a person! Recommend FIVE POINTS ROOFING - you will be glad you chose them! Ten stars!!! 👍🏽
Lupe HamiltonLupe Hamilton
17:39 20 Nov 21
Our roof had hail damage. I called Five Star after watching them replace my neighbors roof. They were very professional, respectful of our property and that of my neighbors. They were very efficient and our new roof was replaced in 2 days.
Mark DuncanMark Duncan
17:51 21 Nov 20
Called them 2 yrs ago when getting estimates. They were the only company that actually showed up on site, got on the roof, and inspected it. Others gave me estimates based on Google maps images. I was told my roof had 2-3 years left. No charge. Sure enough about two years later I got leaks in a big storm so I called them back. They are very busy but came right away and provided an estimate in a couple of days. Said they couldn't get started for about three weeks but later called and told me they had time available much sooner if I was ready. I was. Supervisor arrived at 6:45 A.M. as promised and crew was on the roof by 7:00. It's a very modest house but they had the old roof removed, rotted decking replaced, vent installed, and new roof complete by noon. They left no mess, no scraps, looked for dropped nails with magnetic rake. Heavy rain the next day and it all stayed outside. Completely professional first class job. Very happy with the whole thing.
Daniel HoltDaniel Holt
19:51 15 Sep 20
Five Points Roofing has forever earned our business. I work offshore with an abnormal schedule being gone 28 days at a time. Our home had significant damage due to the horrific tornadoes that came through our area March 2020 ultimately resulting in a complete replacement. From the first call we made my family and I were felt to have been made a top priority. I was due to leave town 48 hours later and Five Points Roofing went above and beyond to make sure my wife and infant were under a safe roof while I was out of town all before a penny was spent. Kyle was absolutely a pleasure to work with throughout the entire process. He made us feel completely comfortable at all times and had answers for every question we had which seemed like a million. His knowledge is second to none. After filing the initial insurance claim he worked with my agent to get everything approved along with the much needed upgrades. The installers did an amazing job and the roof came out beautiful. They were very professional and take pride in their work as it shows. My landscaping and yard were left clean and clear of any debris. After the job was completed a very nice gentleman named Brian came out to do a final inspection and make sure we were pleased with our experience. What a great feeling to know they care enough to third party inspect the job. I can’t say enough good things about this company. I appreciate all of their hard work and you will to given the opportunity to let them show you. 5 stars for Five Points Roofing.
Judson SmithJudson Smith
16:29 15 Aug 20
I will always pick five Points Roofing. They went above and beyond at each step of the inspection, instillation, and follow up process.Knowing we needed to replay our roof that was more than 15 year old caused us pause as we did not know how to go through the process. After talking with Darcey they quickly came out to inspect the roof. After the inspection it was clear we needed a new roof but started to get push back from our insurance company. Multiple people worked hard within Five Points Roofing and after multiple calls from Five Points, my insurance company agreed to replace the roof. This was only done after an inspector from the insurance company look at the roof with Five Points. The date was set and the roof was replaced. No hidden costs. No surprises. There was a small issue after the installation after spray paint fell off the roof on the driveway, but they did EVERYTHING to fix the issue. They came out multiple times to clean the driveway and ended up stripped off the aggregate sealer and then resealed the entire driveway.I WILL NEVER PICK ANYONE ELSE TO BE ON MY ROOF!
Jon SalgeJon Salge
02:16 22 Jul 20
Dealing with roof issues is generally not a pleasant experience, but I have to say, Five Points does a great job. Their customer service and communication made my bad situation a little more tolerable. I had a complicated situation with a leaky roof in a rental home I owned a couple years ago and Five Points couldn’t have handled it better. That was a relatively big job...but earlier this month I had a small job, just a few missing shingles, and they treated that job with the same level of service and attention to detail that they showed with the “big” job. These guys are outstanding and the quality of work performed is second to none. Highly, highly recommend.
Don AlkemaDon Alkema
13:53 16 Jul 20
On May 3rd, 2020 a severe storm damaged my roof and water poured through the ceiling of my garage. I called Five Point Roofing from a neighbor recommendation, and within an hour, a Five Point Repair crew was at my house sealing in the damaged shingles. The company helped with the insurance adjusters and did an excellent job replacing the entire roof. Honest, up front, good price, good crew and professional.. I give them a five star for how they helped me. They are good, everybody knows it , so they are busy. You might have to wait a week or two to get your roof replaced, but it is worth it. Don Alkema at Port Royal Estates, Spring Hill, TN.
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Step 4: Reviewing Your Carrier’s Initial Repair or Replacement Estimate

Tip: Verify Insurance Estimating Software Certification
(Xactimate Level I & II)

Ask your contractor of choice if they are certified in the insurance estimating software Xactimate. Knowing how to read and write these estimates, as well as properly using the software, is key in ensuring you get a like-kind repair or replacement of your roof.

Five Points Roofing’s estimators have gone through rigorous insurance training to become Xactimate Level I and Level II certified.
(Less than 2,000 insurance estimators and adjusters worldwide have this level of certification.)

Review The Repair Estimate

Most carriers these days use one of two software programs to write insurance roof repair estimates. Whether it is a Xactimate roof estimate or a Symbility/Core Logic estimate, sit down with your contractor and review this estimate in detail. The estimate will detail items, labor, and materials needed to restore your roof to its pre-loss condition. You should also receive the ACV (Actual Cash Value) portion of your claim total by check with this estimate. Read more about ACV and RCV on our Understanding Your Insurance Estimate page.

Missing or Incorrect Items

Many times, there are missing or incorrect items from the carrier’s original estimate that need to be added. Your contractor should be able to quickly identify what is missing and get those items sent to your carrier for additional payment.
(Usually local code-related items, incorrect shingle types or missed damage during the inspection)

Supplements

Supplements are items that were either left off the original estimate or additional damages found during installation that could not be identified without tearing off the existing roof. If these items are found after review, your contractor should write a supplement using the carrier’s preferred software, and submit it to your insurance carrier for additional payment.

See Our Certifications

Step 5: Material Selections & Contract Signing

Select Your Materials

Once your insurance carrier and contractor have agreed upon the scope of work, it’s time for the fun part. It is selecting your new roof materials and colors.

Upgrades

Work directly with your contractor on the materials and colors best suited for your home. Many homeowners use this time to upgrade their previous roof to a better quality material, such as a multi-layer premium asphalt shingle, a standing seam metal roof, or even something in the luxury designer range, such as slate or cedar shake. Some want to upgrade their gutters or venting systems to increase energy efficiency. No matter what you choose, just remember you can install any new materials you want, and your contractor will be able to give you a quote for the upgrade, which will be an additional out-of-pocket expense on top of your insurance deductible.

Little Known Fact… Premium insurance carriers’ policies, such as those with Pure and Chubb, offer fixed upgrade incentives. This means that by selecting an energy-efficient product or a material that will help protect the property from future damage could be additionally paid for at no upgrade cost to the homeowner! Some policies have up to $50,000 efficiency upgrade promotions!

Contract Signing

Once all the materials and colors are selected, everything should be put into a contract. If your contractor just asks you to sign the estimate without any firm commitments and deliverables or offers other things that sound too good to be true, be cautious. A contract is in place to protect both you and the contractor from loss, and identifies all terms including the new roof’s warranty.
(Five Points Roofing Has An Unparalleled Limited Lifetime Labor and Material Warranty)

See Five Points Roofing's Contract

Tip: Be Wary Of Contractors “Crediting” or “Eating” Your Deductible

It’s insurance fraud. Plain and simple. No other description is needed. Reputable general contractors aren’t going to risk losing their licenses to save a homeowner $500-$1000. And it’s not just the contractor at risk, the homeowner faces legal penalties as well for negotiating to not pay their deductible. Think about it, if they’re doing something shady and get caught, they’ll probably throw you under the bus to try and save their butts.

Bonus: Five Points Roofing Doesn’t Collect Payment Until the Install

Unless you have a *special order product, we don’t collect a dime until the day of roof installation. That means you don’t owe your deductible until we start the job!

* Special order products are subject to a 50% deposit due to their non-returnable nature.

Step 6: Roof Replacement Scheduling & Job Completion

Tip: Your Contractor Should Submit All Paperwork For RCV Payment

Ask your contractor of choice if they will handle all applicable paperwork that needs to be submitted to release all final payments from your insurance carrier. Usually, an insurance carrier requires the following documentation: Certificate of Completion (Completed by the contractor), Final Invoice, and Photos of Completed Work including code upgrades (Drip Edge, Ice & Water, etc.)

Five Points Roofing’s consultants handle all this leg work for our customers. Insurance paperwork can be confusing and stressful, and we don’t want you to have to deal with that.

Roof Replacement

Tentative Scheduling

Once a contract is signed, your contractor should provide a tentative date of installation. Depending on the month of the year, a Five Points Roofing installation typically runs about 3-6 weeks from the date of the contract depending on where you’re located. Keep in mind, this initial date is tentative. The schedule can change pending weather and many variables go into timelines. Your contractor should keep you up to date on any changes to the tentative schedule.

Installation Confirmation

For Five Points Roofing, our process is to notify our customers three days before their scheduled date, they’ll get a confirmation call with their roof material order, color, and planned installation date. Once started, installation can take anywhere from 1 to 5 days depending on the size of the home. Most homes under 40 Squares of roof material (4,000 Sq. Ft.) can be completed in one day.

Job Completion & Notification To Carrier

After the job is fully complete, your contractor should notify the insurance carrier and provide a “Certificate of Completion” and a final invoice. Once they receive this paperwork, any recoverable depreciation or code upgrades held from the original payment will be released to the homeowner typically within 7-10 business days.

Final Payment Collection

The last thing to do is pay the final outstanding balance, which is usually the recoverable depreciation (Difference of RCV minus ACV) plus any additional supplements, insurance paid code upgrades, or homeowner paid upgrades. Five Points Roofing collects this payment after it is received by the homeowner.

DON’T TAKE THE RISK OF GETTING AN INSURANCE CLAIM DENIAL. WE’LL VERIFY DAMAGE & ADVOCATE FOR YOU!

Get An Advocate On Your Side To Help Walk You Through The Roof Insurance Claim Process.

When it comes to insurance carrier adjuster meetings, we’ve got your back. We’ll meet with your adjuster to point out damage and ensure nothing is missed during their inspection and documentation of your loss.

Having a licensed professional ensures an even playing field and gives two sets of eyes to spot potential damage areas. It’s always wise to not have an insurance adjuster inspect your roof without a contractor present.

Fill out the form or call (615) 794-4001 today to schedule your free roof inspection & consultation.