How to Get Insurance to Pay for Roof Replacement

Jul 1, 2018


Welcome to Bio-One Atlanta's comprehensive guide on how to successfully get your insurance company to pay for roof replacement. As a leading business in the Business and Consumer Services - Cleaning industry, we understand the importance of having a functional and structurally sound roof. We have compiled this detailed guide to help homeowners navigate the insurance process and ensure that their roof replacement expenses are covered.

Understanding Your Insurance Policy

Before diving into the insurance claims process, it is crucial to have a clear understanding of your insurance policy. Take some time to review your homeowner's insurance policy and pay close attention to the coverage details related to roof damage and replacement. Look for specific terms and conditions that may affect your claim, such as deductibles, exclusions, and limitations.

Evaluating Roof Damage

The next step is to thoroughly assess the damage to your roof. After a severe storm or unexpected event, it is essential to document the extent of the damage. Take pictures and gather evidence that clearly shows the roof's condition before and after the incident. This evidence will be invaluable when filing your insurance claim.

Contacting Your Insurance Company

Once you have assessed the damage, it's time to contact your insurance company. Reach out to your assigned claims adjuster or customer service representative to report the damage. Provide them with the necessary information, including the date of the incident, a description of the damage, and any supporting documentation you have gathered. Be sure to keep a record of all communication with your insurance company throughout the process.

Getting an Insurance Adjuster's Inspection

After reporting the damage, your insurance company will usually send an insurance adjuster to inspect your roof. It is crucial to be present during this inspection to ensure that all the damage is properly documented. Point out any areas of concern, and provide the adjuster with the evidence you have gathered.

Obtaining Multiple Quotes from Roofing Contractors

To strengthen your case, it is advisable to obtain multiple quotes from reputable roofing contractors. Having independent estimates can help support your claim and provide a clearer picture of the actual cost of the roof replacement. Make sure to choose contractors with relevant experience and established reputations in the industry.

Reviewing Your Insurance Claim Settlement

Once the insurance adjuster has completed their inspection and reviewed the quotes from roofing contractors, they will present a claim settlement. Review this settlement carefully, making sure it covers all necessary repairs and replacements. If you believe the settlement is inadequate, negotiate with your insurance company to seek a fair and reasonable adjustment.

Appealing the Insurance Company's Decision

If you find that your insurance company's decision does not align with the damage or the repairs needed, you have the option to appeal their decision. Provide any additional evidence or expert opinions that support your claim. Engaging a professional public adjuster or hiring a legal representative experienced in insurance claims can help you navigate the appeals process.


Successfully getting your insurance company to pay for roof replacement involves thorough preparation, clear communication, and persistence. By understanding your insurance policy, documenting the damage, engaging professionals, and appealing decisions if necessary, you can increase your chances of receiving the coverage you deserve. Remember to always keep detailed records and follow up with your insurance company throughout the process. Bio-One Atlanta is here to support you in your insurance claims journey and provide expert advice tailored to your specific needs.