How to File a Roofing Insurance Claim

Your roof is often the first line of defense your home has against the elements, but severe weather, like hurricanes, tornados, and hail, can damage the roof to your home— causing leaks, water, and structural damage. To quickly, safely, and affordably repair roofing damage, you may need to file a homeowners insurance claim. It is important to find a reliable, trusted contractor for your roof replacement. This article will assist you as you navigate insurance claims, contractors, and the repair process.

Before You Contact Your Homeowners Insurance

Before contacting your insurance agent, take time to document the damage to your roof. Take multiple pictures of the interior and exterior of your home, as well as detailed notes. If the damage was caused by a storm, document the date and time.

If damage occurred from hail, it’s smart to document the size of the hail with a tape measurer. After documenting the damage, safe-proof your home to prevent further damage before contacting your insurance.

Types of Homeowner Insurance Coverage

There are usually four main coverage types to your homeowners insurance:

  • Dwelling Insurance
    • This protects the structure of your home, including your windows, garage, and built-in appliances like your water heater or HVAC. This coverage may help pay for the rebuilding or the repair of the physical structure of your home if it’s damaged by natural disaster, theft, or vandalism.
  • Personal Property Insurance
    • This covers your personal belongings, like furniture, clothing, electronics, jewelry, and kitchen appliances. This type of coverage, designed to help protect your belongings, may help provide protection in the event of a covered loss, such as theft or fire.
  • Liability Insurance
    • This coverage assists if someone has been hurt or injured on your property, like a dog bite or falling off a ladder.
  • Additional Living Expenses (ALE) Insurance
    • If your home is uninhabitable after an event, this helps cover temporary housing cost.

You can learn how these coverages protect you and your home on your homeowner insurance policy declaration page. Your declaration page will outline both your personal information and the coverage details.

What is Usually Covered by Homeowners Insurance…And What’s Not

According to the reliable roofing contractors, standard homeowners policies cover a wide range of potential disasters including tornadoes, lightning strikes, fire, wind, hail, and falling objects. But it’s important to note that not all natural disasters are covered in your policy.

Like many insurance providers, Allstate notes that damage caused by floods and earthquakes are not typically part of your homeowners insurance policy. However, they are often available through additional policies. Check with your insurance provider to learn if they offer these protections.

Normal wear and tear on your home and damage due to lack of maintenance, mold, or infestation from termites or other pests are also not usually covered.

Filing a Homeowners Insurance Claim for Home Damage

Storm damage to your home will fall under your dwelling insurance. Damage may impact your roof, walls, windows, floors, foundation, or built-in appliances like your HVAC unit. Once you have documented the damage, and taken action to prevent further damage, you can begin the claims process. It is important to file a claim as soon as possible after an event.

Most companies make it easy for homeowners to navigate this process on their website or mobile app, but you can also call the number listed on your policy. To submit a claim, you will need your policy number and an explanation/summary of damages. Your insurance agent will discuss your current policy, what’s covered and your next steps.

Understanding Your Deductible

It is important to understand your homeowners insurance deductible throughout this process. This deductible is the amount you will have to pay before receiving a reimbursement from your insurance provider.

For example, if your deductible is $ 1,000, but the cost to repair your roof is $ 800, your deductible would not be met. You would not receive any money back from your insurance company. In this case, you may choose to repair the roof on your own.

If it costs $ 3,000 to repair your damaged roof, and your deductible is $ 1,000, you would file a claim and pay your deductible. Your insurance provider would cover the additional $ 2,000 cost. A typical roof repair runs between $ 150 and $ 3,000 depending on the size of damage and materials. Roof replacements range from $ 8,000 to $ 17,500.

Meeting With Local Roofing Contractors

After filing a claim, you will be asked to schedule an appointment with an insurance adjuster. Before meeting with the adjuster, we recommend receiving three to four project estimates from local, trusted contractors. These contractors should provide free estimates, but not begin any repairs yet. Keep all of the estimates and any additional relevant paperwork organized. You will share these details with your insurance adjuster at your meeting.

Make sure you don’t sign a contract or agreement or make any type of payment until your insurance provider has approved the estimate. It is important not begin repairs until after the adjuster has inspected your home, as that may lead to not receiving compensation.

If possible, ask your roofing contractor to be present at your appointment with the insurance adjuster. This will protect you from any overlooked damages and will also ensure that you get a fair assessment.

Beware of Scams

While most contractors are reliable, there are scammers who seek out neighborhoods with a high percentage of senior citizens; areas with older housing stock; and places that are prone to, or were recently hit by major storms.

The reliable roofing contractors reports that in the aftermath of a natural disaster salespeople often go door-to-door in damaged neighborhoods offering cleanup and/or repair services. While many of these individuals are honest and reputable, others are not. The dishonest individuals may pocket your payment or insurance settlement without completing the job. Or, they may use inferior materials and perform shoddy work not up to code. The crime bureau also warns of contractors who offer to manipulate the price to cover your deductible or extra work not caused by the catastrophe. This is insurance fraud, a felony which may render insurance coverage void.

Meet With Your Insurance Adjuster

After receiving your contractor estimates, make an appointment with your insurance adjuster. They will help determine the cause of damage and assess the total cost. When the adjuster meets you at your home, they will ask you about the event. This is where your detailed notes will be important. The adjuster will create a report that contains a description of the roof damage, as well as photos. It is also important to share the estimates you received from contractors at this meeting. All of these details will be submitted to the insurance company to move your claim along.

Hire Your Preferred Contractor to Repair Roof Damage

Once your claim has been approved, and you have reached a settlement for the cost of repairs, begin working with your preferred, licensed contractor to repair your roof. Your insurance provider will typically send an advance for half of the payment to allow you to begin repairs. The last half will be sent upon completion, minus your deductible.

Already know you have home storm damage? We can help. Receive up to four quotes from reliable roofing contractors in your area.

The post How to File a Roofing Insurance Claim appeared first on Modernize.



Hate Doing Taxes? Here’s How to Easily File Them — Without Even Leaving Home

Do you procrastinate on taxes until April 15 every year? Does the sight of a W-2 form make your eyes cross? Does pricy tax software make you want to run and hide?

C’mon, it doesn’t have to be that bad. Help is available at an affordable price, and you don’t even have to leave your home.

That’s what you’ll get from H&R Block, the biggest tax-preparation company in the world. Because they’ve been in business since 1955, you might think they’re stodgy and old-fashioned. Nope — they’re keeping up with the times, rolling out innovative new ways to make filing your taxes easy and affordable.

Tax Filing From Home

If your taxes are super simple, you can file for free from your phone, tablet or computer with H&R Block Free. You can also file for free if you’re paying tuition or receiving student loans.

The Penny Hoarder writer Carson Kohler tried H&R Block Free last year and was pleasantly surprised by how easy and quick it was.

“I poured myself a giant cup of coffee and settled in for the afternoon,” she wrote. “Little did I know, this would be over in about 20 minutes.”

She downloaded the H&R Block app on her phone and created an account. That made it easy to switch over to her computer at any point without losing any of her information. She snapped a photo of her W-2 and answered a few quick questions. Once she reviewed her information, her part was basically done.

If your taxes are a bit more complicated, you might need to pay a small fee to file online. These options include:

  • Deluxe Online Tax Filing: This is similar to the free service, because you do it all online. If your taxes are a little more complicated — for example, if you own a home or have children — this is a better fit. It’s only $ 29.99 — not free, but really affordable for professional tax prep services.
  • Premium Online Tax Filing: Use this if you’re a freelancer or if you own stocks or other investments. It costs $ 49.99.
  • Self-Employed Online Tax Filing: Use this if you’re self-employed or a small business owner. It costs $ 79.99.

Right now, Penny Hoarders get a 35% discount on all of these.

Professional Tax Prep Can Be a Godsend

The exterior building of H&R block.

Once upon a time, if you wanted to have your taxes done by a professional, you’d have to drive to a tax office in person. You’d sit there and make small talk while an accountant flipped through your documents, tapped on a calculator and figured out your deductions.

These days, you can skip the trip. With H&R Block Tax Pro Go, you’ll upload your documents online, and a tax professional will do everything for you and get back to you within five days. Prices start at $ 59 but can increase depending on how complicated your taxes are.

It can help to have a pro do your income taxes, because Uncle Sam keeps messing around with the tax codes. Some new rules are coming into play this tax season. For instance, the standard deduction is higher, but the personal exemption has been eliminated.

If you don’t know what that means, join the club. Maybe it’s time to call in a pro.

H&R Block’s services can help ensure you get the best refund possible at a price you can afford.

Mike Brassfield ( is a senior writer at The Penny Hoarder. A homeowner with two kids and freelance income, he hasn’t done his own taxes in years.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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