Roof Insurance Claims

Sooner or later, virtually all homeowners must face an unfortunate reality: roof damage. If you haven’t already, chances are you will have to deal with it at some point. Here in Arizona, it’s especially likely when severe monsoons are rolling across the Valley.

When your roof has become damaged, a common question we’ve seen people ask is whether you should pay out of pocket for the repair, or if it’s better to file a roof insurance claim…. The answer to this question is: it depends. There isn’t always a one-size-fits-all solution, and the situation will vary from homeowner to homeowner with the severity of the damage.

There are, however, a few things every homeowner should know about roof insurance claims.

How Bad Is The Damage?

If you think your roof may have been damaged in a recent storm, the best course of action is probably to get it inspected right away.

Some insurance policies have restrictions on how long you can wait after the damage has occurred and still have it be covered by the policy, so it’s best to have your roof inspected as soon as it is safe to do so.

Getting your damaged roof looked at quickly also nips any leaks or water damage issues in the bud before they can blossom into bigger headaches.


Contact a reputable roofing contractor, like Landmark Roofing, to come and inspect your roof as soon as possible.

What’s Covered By Your Policy?

It’s incredibly important to know the answer to this question. And if you’re not quite sure, the easiest way to find out is to contact your insurance provider for the details.

Once you’ve had the roof inspected and confirmed that there is damage, you will be able to more accurately determine how much the insurance company will cover, according to the statute of limitations in place on your policy. From there, after you’ve filed a claim, the insurance company should send out an adjuster to come and assess the damage to your home.

Does Your Roofing Contractor Work With Insurance Claims?

You should have no problem using any roofing contractor you choose, but when making the choice, you should undoubtedly look for roofing contractors who have extensive experience in providing roof estimates for insurance claims.

While the process isn’t really that complex, it is a process that involves many fine details that can either cost you or save you money. Finding a contractor who is skilled in helping homeowners navigate the process of getting their roof work covered by their insurance company can save you ample time and money.

We at Landmark Roofing aren’t afraid to admit we’ve done this many times, and are quite comfortable with the insurance claims process. If you have questions regarding roof insurance claims, contact Landmark Roofing today.

Our Roof Insurance Claim Process

At Landmark Roofing, we want our clients to be fully equipped to make the best and most informed decisions possible when it comes to their roofs.

This is why we strive to provide honest and reliable information to our clients at every step in the journey. And it’s no different when it comes to the roof insurance claim process.

Inspection & Estimate

After 40 years of roofing experience, we’ve seen many insurance claims come back both accepted and rejected, and we’ve gotten a feel for the claims that work and those that don’t.

Trust us. We’ll always give you our honest assessment of the likelihood of getting a homeowner’s claim approved for a roof repair. This means that if we believe you only have a 5% chance of approval, we’ll let you know upfront. You don’t want an unnecessary claim on your record that could come back and haunt you later.

Ultimately, the decision to file a claim is up to the homeowner, but we believe in transparency and will always set realistic expectations.

Meet With Adjuster to Assess Damage

If you’ve decided to have an adjuster come out and assess the damage done to your roof, you should inform your adjuster that you will have your roofing contractor present at the meeting.

We’ve found over our 40 years of experience that many adjusters often miss crucial components that only our experienced roofers will notice. And as much as these adjusters are trying to help, the insurance companies will try to keep their costs down.

With our extensive expertise in different kinds of roofing and storm damage, we know what to look for when a storm comes through the Valley and wreaks havoc. Having us there as your advocate during the meeting may help you save in the long run.

Restore to Pre-Storm Roof Quality – Or Better!


Whether or not you choose to file a homeowner’s roof insurance claim, we’ll give your roof the utmost attention and care.

When you choose Landmark Roofing to fix your storm-damaged roof, you can rest easy knowing your roof will – at the least – return to its pre-storm quality. We know how stressful having a storm-damaged roof can be, so we always try to work efficiently and effectively to make your roof even better than it was before the storm.

With over four decades of experience, we’ve seen it all and have the knowledge, experience, and confidence to fix your roof with superior quality that will last for years to come.

If you’re ready to start a roofing project, or would like to have a professional roofing company come inspect your roof, contact Landmark Roofing today.

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