How Do Roofing Insurance Claims Work? A Homeowner’s Guide

Severe weather events—such as windstorms, hailstorms, heavy snow followed by a sudden thaw, or torrential rain—can put your roof to the ultimate test. These extreme conditions often cause visible and hidden damage, making post-storm roof inspections essential.

Even from the ground, you may notice missing shingles, bent flashing, or debris buildup. But to fully understand the extent of the damage, it’s important to get a professional roof inspection.

‍

Step 1: Assess the Damage

If you have a newer roof and the damage is minimal, small repairs may be enough. But if you see significant roof damage—such as large sections of missing shingles or visible leaks—it’s time to call your home insurance provider.

Step 2: Contact Your Insurance Company

Your insurance provider will review your policy, guide you through the claims process, and arrange for an adjuster to inspect your roof. Depending on the extent of damage and your coverage, they may recommend anything from minor repairs to a complete roof replacement.

Step 3: Get a Professional Roofing Estimate

At Herb Lodde Roofing, we work closely with insurance companies as a trusted roofing contractor. Our team provides a fair, detailed, and realistic damage assessment, along with a written quote for the necessary work.

You can then submit this professional estimate to your insurance provider to determine what costs they will cover.

Step 4: Understand Your Policy Coverage

While we can provide a full report and cost breakdown, your insurance company has the final say on coverage. Knowing your policy details is key—some plans may cover the full cost of replacement, while others only cover repairs.

Step 5: Proceed with Repairs or Replacement

Once your claim is approved, our experienced crew will handle the work quickly and efficiently—ensuring your home is safe, weather-resistant, and compliant with insurance requirements.

‍

Why Work with Herb Lodde Roofing on Your Insurance Claim?

• Decades of Experience – We’ve been working with insurance companies for years.
• Accurate Assessments – Honest, detailed evaluations to support your claim.
• Full-Service Solutions – From inspection to installation, we handle it all.

Don’t Delay—Protect Your Roof After a Storm

If you notice missing shingles, loose flashing, leaks, or other storm damage, take action right away. The sooner you start the insurance claim process, the faster you can restore your home’s protection.

Contact Herb Lodde Roofing today for a professional inspection and guidance through the insurance claim process.