How Does a Roof Replacement Through Insurance Work?

By All Side Roofing and Restoration

Replacing your roof is no small investment—but if your roof was damaged by a storm, fallen tree, or another sudden event, your homeowner’s insurance may help cover the cost. While that’s great news, the process isn’t always straightforward. From filing the claim to working with adjusters, knowing how the system works can save you stress, time, and money.

In this guide, we’ll walk you through how roof replacement through insurance works, touching on specifics for homeowners in Ohio while keeping the advice broad enough to help homeowners anywhere in the U.S.

Does Homeowners Insurance Cover Roof Replacement?

The short answer: it depends. Most insurance policies cover roof replacement when the damage is caused by a sudden, accidental event. 

Examples include:

• Storm damage – High winds, hail, and falling trees can cause significant roof damage.
• Fire and natural disasters – Fire, lightning strikes, or other covered disasters.
• Accidental damage – For example, a tree limb falling during a storm.

Insurance does not typically cover:

• Normal wear and tear – If your roof is simply old.
• Neglect – Damage caused by failing to maintain the roof.
• Certain exclusions – Hurricanes, earthquakes, or floods may require separate policies.
• In Ohio, storm damage (especially hail and wind) is one of the most common causes of approved roof insurance claims.

Step-by-Step: How the Roof Insurance Claim Process Works

1. Assess and Document the Damage

• Look for missing shingles, leaks, or obvious damage.
• Take photos and videos from multiple angles.
• Call a licensed roofing contractor for a professional inspection—preferably one experienced with insurance claims.

2. Review Your Insurance Policy

• Verify the type of coverage you have (Replacement Cost Value vs. Actual Cash Value).
• Know your deductible.
• Be aware of claim filing deadlines—many policies have strict timelines.

3. File Your Claim

• Contact your insurance company as soon as possible after discovering the damage.
• Provide documentation: photos, inspection reports, and any requested forms.
• Keep a record of all communications.

4. Adjuster Inspection

• Your insurer will send an adjuster to assess the damage.
• Have your roofing contractor present during the inspection to ensure all damage is noted.
• Share your documentation with the adjuster.

5. Claim Approval & Payment

• If approved, your insurer will send an estimate and payment.
•  Payments may come in stages—some policies hold back depreciation until the work is complete.

Working with a Roofing Contractor

An experienced roofing contractor is invaluable during this process. They can:

• Document damage thoroughly for insurance purposes.
• Communicate with adjusters.
• Ensure repairs match the insurance scope.

When hiring a roofer:

• Verify local licensing, insurance, and BBB rating.
• Avoid “storm chasers” who show up after major weather events.
• Choose someone with proven insurance claim experience.

Common Payout Terms You’ll Hear

• Replacement Cost Value (RCV) – Covers the full cost to replace your roof (minus deductible).
• Actual Cash Value (ACV) – Covers the depreciated value of your roof.
• Depreciation Holdback– The withheld portion of your claim until repairs are completed.

What If Your Claim Is Denied or Underpaid?

• Ask for a detailed explanation from your insurer.
• Get a second opinion from another roofing contractor.
• File an appeal with additional documentation.
• Consider hiring a public adjuster if negotiations stall.

Final Tips for a Smooth Insurance Roof Replacement

1. Document everything from day one.
2. Act quickly—delays can lead to denial.
3. Work with reputable pros—it makes the process easier and protects your home.
4. Know your policy—especially your deductible and coverage limits.

At All Side Roofing and Restoration, we’ve helped countless homeowners navigate the insurance process from inspection to final installation. Whether you’re in Ohio or another state, our team is here to make your roof replacement as stress-free and successful as possible.

Need help with a storm-damaged roof?  Contact All Side Roofing and Restoration for a professional inspection and expert guidance on your insurance claim.

Disclaimer: This article provides general information. Coverage varies by policy and state—always consult your insurance provider for details.