Common Mistakes Homeowners Make When Filing Roof Damage Insurance Claims
Dealing with roof damage after a storm can be stressful, and navigating the insurance claims process often adds another layer of complexity. At Restoration Roofing, we’ve helped thousands of homeowners in the Mid-South through this exact situation. Filing a roof insurance claim can go smoothly when handled correctly—but many homeowners make common mistakes that can delay, reduce, or even lead to claim denials.
To help you avoid costly errors, we’ve compiled a list of the most common mistakes and what you should do instead:
1. Waiting Too Long to File Your Claim
Delays are one of the biggest reasons insurance companies deny roof damage claims. Most policies include a specific time window for reporting damage. Waiting too long can also make it difficult to prove the damage came from a specific storm, which might lead to disputes with the adjuster.
Pro Tip: File your claim as soon as you notice damage. The sooner your insurance company knows, the sooner they can send an adjuster, and the sooner your roof can be repaired.
2. Not Documenting the Damage Thoroughly
One of the most critical steps in a roof insurance claim is documenting the damage. Many homeowners assume the adjuster will handle this entirely, but the more proof you provide, the stronger your claim will be.
Pro Tip: Take clear, detailed photos of every area affected, both exterior and interior. Include wide shots and close-ups. If water has entered your home, photograph stains, leaks, and any damaged belongings. Keep records of everything.
3. Making Temporary Repairs Without Documentation
It’s understandable to want to stop a leak or protect your home, but making repairs without documentation can weaken your claim. Insurance companies need to see the original damage before approving repairs.
Pro Tip: If you need to cover a hole or stop a leak, document it with photos first. Save receipts for any materials you purchase or contractors you hire for temporary tarping or emergency work.
4. Not Understanding What Your Policy Covers
Not all roof damage is covered by insurance. Some policies don’t cover wear and tear or have reduced coverage for older roofs. Many homeowners assume full replacement is guaranteed, which isn’t always the case.
Pro Tip: Review your policy to understand coverage limits, exclusions, and deductibles. If you’re unsure, speak to your insurance agent or have a roofing professional review it with you.
5. Filing Claims for Old or Poorly Maintained Roofs
If your roof is older than 15-20 years or has visible signs of neglect, your insurance company may only pay a partial settlement or deny the claim altogether. They may determine that damage resulted from a lack of maintenance.
Pro Tip: Stay on top of regular inspections and maintenance. Replace missing shingles and clear debris to show you’ve maintained your roof properly.
6. Accepting the First Offer Without Question
Insurance adjusters are trained to keep claims as cost-effective as possible for the company. Their first estimate may not reflect the actual cost of quality repairs or full replacement.
Pro Tip: Always get an independent quote from a licensed, reputable roofer. If the insurance estimate is too low, your contractor can help negotiate a fair adjustment based on proper documentation.
7. Relying Only on the Insurance Adjuster’s Inspection
While adjusters may be experienced, they often miss details or don’t specialize in roofing systems. They may overlook damage that requires attention.
Pro Tip: Schedule a full inspection from a certified roofing contractor before or during your adjuster’s visit. Your roofer can provide a thorough damage report and help communicate with your insurer.
8. Ignoring “Small” or Less Obvious Damages
Not all storm damage is immediately visible. Granule loss, cracked shingles, and minor punctures may seem insignificant now but can lead to water damage or leaks months later.
Pro Tip: Include every detail in your inspection report. Even small repairs can add up, and your policy may cover them if documented properly.
9. Failing to Keep a Claim File
Many homeowners don’t keep a centralized record of calls, emails, receipts, and inspection notes. Without proper documentation, miscommunications and delays become more likely.
Pro Tip: Keep a folder (digital or physical) with all communications, estimates, inspection reports, claim numbers, adjuster notes, and receipts. This will make the process much smoother and protect your interests.
10. Not Taking Steps to Prevent Further Damage
Insurance policies generally require that homeowners take reasonable steps to mitigate further damage after a loss. Ignoring this responsibility can lead to claim denial.
Pro Tip: Cover damaged areas with tarps or plywood to prevent additional water intrusion. Save receipts for temporary materials and take photos of your efforts to protect the property.
11. Overlooking Additional Living Expenses
If your home becomes uninhabitable due to storm damage, your policy may cover costs like hotel stays, meals, and transportation. Many homeowners don’t take advantage of this benefit.
Pro Tip: Track every related expense while displaced. Keep receipts and confirm with your insurer what qualifies under your “Loss of Use” coverage.
12. Missing Policy Updates or Exclusions
Policies change over time, and new exclusions may limit your coverage for roof repairs. Many homeowners only read their policies when damage occurs—and by then, it might be too late.
Pro Tip: Review your homeowner’s policy annually. Be especially mindful of changes in wind, hail, or storm coverage. Ask your agent to explain anything you don’t understand.
13. Failing to Seek Help From Roofing Experts
Roofing insurance claims can be technical and time-consuming. Homeowners who try to manage the entire process on their own often miss out on full compensation.
Pro Tip: Partner with an experienced roofing contractor who works with insurance companies. They know what documentation is required and can speak the same language as the adjuster, helping to secure a better outcome.
14. Giving Up If the Claim Is Denied
A denied claim isn’t the end. Many claims are rejected because of incomplete information or miscommunication. You have the right to appeal.
Pro Tip: Review the denial letter carefully. Work with your roofer to gather more evidence or request a reinspection. Don’t be afraid to challenge the decision.
15. Not Being Prepared for Future Storms
If you’ve gone through one claim, it’s likely you’ll face another storm in the future. Use this experience to prepare better and avoid mistakes next time.
Pro Tip: Schedule annual roof inspections, especially after severe weather. Keep all repair records in a safe place, and take “before” photos of your roof for future reference.
Work With Restoration Roofing
Filing a roof damage insurance claim isn’t easy—but avoiding these common mistakes can make a huge difference in how smoothly your claim is processed and how much coverage you receive.
At Restoration Roofing, we specialize in helping homeowners in the Memphis area recover quickly and confidently after storm damage. We handle inspections, provide professional estimates, help with temporary tarping, and assist you through the entire insurance process. With our experience, you won’t have to face this alone.
Need Help With a Roof Insurance Claim?
Call Restoration Roofing at 901-854-3402 to schedule your free roof inspection and digital report. Our experts will assess the damage, guide you through the claims process, and ensure your home is protected long-term.
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