After a storm, many homeowners wonder whether the damage they’ve found is enough to qualify for a full roof replacement through insurance. Unfortunately, the answer isn’t always straightforward. Insurance companies look at a variety of factors before deciding whether to approve a claim.
Understanding the general roof insurance claim requirements can help you set expectations and give you a better chance of receiving fair coverage.
What Insurance Companies Look For
Insurance adjusters typically look for storm-related damage that affects the integrity or functionality of the roof. This can include:
- Shingles that are cracked, broken, or missing
- Bruising from hail impacts that compromise the shingle mat
- Granule loss that exposes the asphalt layer
- Damage to flashing, vents, and other roof components
- Wind damage that lifts or removes sections of the roof
The key factor is whether the damage is considered functional or cosmetic. Cosmetic damage alone may not be enough to justify a full replacement, but functional damage that puts your roof at risk often is.
There’s No Universal Threshold
Every insurance provider has its own guidelines, but a common rule of thumb is that if a certain percentage of the roof is damaged, it may qualify for replacement. That percentage can vary depending on your location, roofing material, and policy language.
In some cases, even localized damage can result in a full replacement if repair would leave the roof structurally compromised or create mismatched materials.
Documentation Is Critical
Thorough documentation through a certified inspection is one of the most important parts of any claim. During the inspection, they will:
- Take photos of the roof from multiple angles
- Document the date and details of the storm event
- Note any leaks, water intrusion, or other defects
A qualified roofing professional conducting a formal inspection will provide a written report. This adds clarity to your claim and gives the adjuster more to work with during their assessment.
Why Certification Matters
Hiring a roof inspector certified by Haag Engineering can improve your claim’s credibility. Haag-certified inspectors have specific training in identifying storm-related damage and are often viewed as more objective and reliable by insurance companies. Their reports are based on industry standards and carry more weight than informal evaluations.
Get a Fair Assessment Before You File
It’s worth having your roof inspected before filing a claim. A qualified inspector can help you determine whether the damage is likely to meet your insurance company’s threshold and provide the evidence you need to support your case.
If you’re unsure whether your roof qualifies for a replacement, the best step you can take is to schedule an inspection with someone who understands both roofing systems and the claim process.
Schedule a free inspection with us and get clarity on whether your roof meets the requirements for insurance coverage.