How do you file a roof claim, and should you?
Short answer. File a roof claim when a professional inspection finds storm damage that is likely to cost more than your deductible, then report it to your insurer by phone, app, or online with the storm date and photos. Do it promptly, because policies require timely notice and some limit wind and hail claims to a set period after the storm.
Should you file? A quick test
- Is there confirmed damage? Not a hunch from the ground, but documented damage from an inspection: hail hits, creased or missing shingles, dented metal.
- Can you tie it to a storm? A specific date when hail or high wind hit your area.
- Is it bigger than your deductible? Know whether you have a flat deductible or a percentage wind and hail deductible.
- Is it storm damage rather than age? Curling, blistering, and granule loss from weathering are not covered, and filing for them only adds a claim to your record.
If the answer to all four is yes, filing is usually the right move. If you are unsure about any of them, get answers before you call. See whether to call your insurer or a roofer first.
How to file
- Find your policy number and check your deductibles.
- Report through the insurer's claims line, app, or website, giving the date of loss and a factual description.
- Upload or keep photos of the roof, gutters, and any interior damage.
- Write down your claim number and the adjuster's contact details when assigned.
- Tarp any openings and keep receipts.
The full walkthrough is at how to file a roof insurance claim.
How long do you have?
Policies require prompt notice, and some set a firm limit for wind and hail claims, often one year from the storm. A separate clause limits how long you have to sue. Do not wait for the next storm season. Details are in the Georgia roof claim deadline guide.