What is a Roof Insurance Claim?

If you are new to the roofing industry, you may be unfamiliar with roof insurance claims. When a major weather event or natural disaster hits, homes can get severely damaged. Most of this damage happens to the roof. When this happens, homeowners can file a roof insurance claim. 

A roof insurance claim will cover the cost of roof repairs or replacement so long as the homeowner submits the claim within the time limit set by the insurance company. Most insurance policies cover damage caused by sudden natural events such as rain, hail, wind, and snow. Policies also cover roof replacements after natural disasters like tornadoes, fires, and hurricanes. The roof insurance claim process can be long and tedious, and it typically involves three parties: the homeowner, the roofing contractor, and the insurance company. Let’s take a look at each party member’s role in the claims process. 

Role of the Homeowner

The homeowner is the one who initiates the roof insurance claim. It’s important to mention that homeowners should frequently document the condition of their roof from the moment they buy their home or have a new roof installed. Having this documentation provides solid evidence of the roof condition and will help with the claim process later on. Homeowners are responsible for contacting a roofing contractor to assess roof damage after a major natural event or natural disaster. Homeowners and roofing contractors can and should document any and all roof damage with photos and videos. After inspecting the roof and determining the damage, homeowners can begin filing a claim. They are responsible for filing the claim within the time allowed by the insurance policy. The homeowner gives the claim to the roofing contractor to pass on to the insurance company. In the end, the homeowner will receive money from the insurance company to cover the cost of repairs or replacement via a reimbursement OR the insurance company will pay out the roofing contractor directly. 

Role of the Roofing Contractor

The roofing contractor acts as the middle man in the claims process. After the contractor receives the claim from the homeowner, they will visit the site and inspect the roof for damage. After inspecting the site, the contractor should provide documentation of the roof damage and provide an estimate to the insurance company. The contractor will have to maintain constant communication with the insurance company to verify the claim and get the most money for the client. Once the insurance company has approved the claim and settled on an amount, the contractor is free to carry out the roof repair or replacement. 

Role of the Insurance Company

The insurance company will receive the roof claim from the contractor. After reviewing the homeowner’s specific policy, the company will determine what is and is not covered by the policy. An agent will communicate this information with the roofing contractor, making sure to verify the extent of the damage and decide the amount to be awarded to the homeowner. The insurance company will give the contractor a statement to pass along to the homeowner. 

The Claims Process

Now that we know the role of each party member, let’s go through the claims process step by step. This process is long and can potentially take months depending on the severity of the roof damage and the complexity of the claim. 

Step 1: The homeowner assesses roof damage

After a major weather event or natural disaster, homeowners should first make sure their property is safe to enter and inspect. The last thing we want is for someone to get hurt because of the damage to the home. The first step of the claims process is for the homeowner assess. Homeowners are strongly encouraged to document the severity of the damage with photos and videos. This will make the claims process easier in the long run. 

Step 2: The homeowner submits a claim to the roofing contractor.

After documenting the extent of the damage, the homeowner can file a roof insurance claim to help cover the cost of repairing the damage. Homeowners should be familiar with their policy to know ahead of time what will and will not be covered by the policy. Also, they should take care to submit the claim in a timely manner. Some policies will not cover damage if the claim is not filed within a certain amount of time. 

Step 3: The roofing contractor reviews the homeowner’s insurance information 

Some homeowners are hesitant to provide their roofing contractor with insurance information. However, providing insurance information is crucial so the roofing contractor can negotiate the best price with the insurance company. The contractor also uses this information to make sure the policy covers the appropriate roof damage. 

Step 4: The roofing contractor submits the claim to the insurance company 

After the contractor submits the claim/estimate, they must maintain frequent communication with the insurance company. This is generally the longest step in the roof insurance claim process. It can take weeks of back and forth phone calls to verify the information and settle on the funds to award the homeowner. 

Step 5: The insurance company settles on an amount to award the homeowner for damages

After discussing the terms of the policy and determining what damage is or is not covered, the insurance company will settle on an amount to award the homeowner. The insurance company passes this information to the roofing contractor.

Step 6: The roofing contractor gives the final invoice to the homeowner and fixes roof damage

After weeks (or possibly months) of negotiation, the roofing contractor can finally submit the final invoice to the homeowner. From there, the homeowner will approve the contractor to repair or replace the damaged roof. 

How can PAS Claims help?

The roofing insurance claim process can be long and tedious. With how busy roofing contractors are already, helping clients file a roof claim can take anywhere from 2 to 6 months! We know you would rather focus on growing your business than dealing with the complexity of roof claims. That’s where PAS Claims can help! 

PAS Claims is a full-service roof claims management company. We take care of the entire roof claim process from start to finish, from submitting the insurance claim on your behalf to delivering the final invoice. We take care of all the details in between, like delivering aerial roof measurement reports, providing estimates, and communicating with the insurance company every step of the way. PAS Claims helps you save time so you can get back to your business. 

Our Services

Our professional claims management team specializes in three main areas:

Aerial Roof Measurement Reports

Documenting roof damage is usually the first step in the claims process. We take care of this step by providing contractors with aerial roof measurement reports. Our aerial roof reports accurately measure out every eave, plane, structure, rake, and perimeter, and are delivered to you in 24 hours or less. The report comes in four easy-to-read pages and is guaranteed to be over 95% accurate. 


PAS Claims expedites the claims process. As part of our claim management service, we provide professional, detailed Xactimate estimates based on current rates in your area. Our team handles every detail of the claim so you don’t have to deal with adjusters, subcontractors, or property owners. We also supplement the adjuster’s estimates by adding missing and overlooked items. 

Claim Management

At PAS Claims, we pride ourselves on bringing contractors the most efficient roof claim management process. We process and manage your claims and keep you updated in real-time so you can get back to what’s important. Our team manages the entire process: we submit the estimate to the insurance company on your behalf, handle all communication with the insurance carrier, submit the final invoice, and take care of every detail in between. We make sure that your company gets the best value for the work you are providing, ensuring that all materials, fees, and overall costs for the project are submitted to the insurance company properly. 

We are proud to provide a streamlined roof claims management service for roof contractors in Arizona. Call us at (866) 266-7713, schedule a call or contact us online to learn more about our services. Let us handle roof claims so you can get back to serving your customers!

published on Friday, May 28th, 2021