Navigating Homeowner’s Insurance: What Every Owner Should Know About Roofing Coverage

Your roof is your home’s first line of defense — but many homeowners aren’t aware of how their roof plays into insurance claims when damage strikes. Here’s what you need to know to avoid surprises and protect your house.

1. Understand What Insurance Typically Covers (and Doesn’t)

• Covered damages: Storms, hail, and wind damage are often included if the policy is active and the damage is sudden.

• Excluded wear-and-tear: Aging, poor maintenance, or gradual deterioration are generally your responsibility.

• Deductibles matter: Even if damage is covered, your out-of-pocket cost may still be significant.

2. Document Everything Immediately After Damage

• Take high-resolution photos and videos of every affected area, inside and outside.

• Note dates, times, and weather conditions when damage occurred.

• Keep receipts and records for any emergency temporary repairs (e.g. tarps, boardups).

This documentation can make or break your claim approval.

Choose a Roofing Contractor That Understands Insurance Claims

Working with a roofer who knows how to navigate insurance is a HUGE advantage. They can:

• Prepare a detailed scope of damage report that matches industry standards

• Offer a line-item estimate your insurer expects

• Explain any supplements or upgrades (e.g. better shingles) clearly

• Liaise with adjusters — simplifying the process for you

At England Classic Roofing, we have experience handling insurance claims and advocating for homeowners.

File Fast — Timing Can Be Critical

Many insurance policies include time limits for filing claims after damage occurs. Delays may cause denials. As soon as you spot suspicious damage — cracked shingles, leaks, sagging areas — reach out for a professional inspection.

Don’t Accept a Lowball Offer Without Pushback

Insurance adjusters may propose a minimal replacement. You reserve the right to:

• Provide your own contractor’s estimate

• Request a second adjuster or desk review

• Ask for better matching materials, if available

We’ve helped many clients negotiate fuller recovery by providing precise documentation and estimates.