The short answer
Check Your Policy First
Your homeowners policy spells out which perils are covered. Typically, sudden events like windstorms, hail, or falling trees are covered, while gradual wear and tear or lack of maintenance are not. Read the declarations page and the exclusions section carefully.
If you live in Quincy, keep a copy of your policy handy. Note the deductible and any special limits for roof damage. Some policies have a separate windstorm or hail deductible. Knowing these details helps you decide whether filing a claim makes sense.
Document the Damage Thoroughly
Before any repairs, take clear photos and videos of the roof from multiple angles. Capture any missing shingles, holes, or water stains inside your home. Make a list of damaged items and the date you noticed the problem. This evidence supports your claim.
Save receipts for any temporary repairs you make, like tarping a leak. Keep a log of all communication with your insurance company, including names and dates. Good records help you present a clear case for coverage.
- Photograph the roof from ground level and from a ladder if safe
- Document interior water damage with dates and times
- List all damaged belongings and their approximate value
- Keep receipts for emergency repairs like tarps or plywood
- Write down every call or email with your insurer
File Your Claim Promptly
Most policies require you to report damage within a reasonable time, often 30 days. Delaying can weaken your claim, especially if further damage occurs. Call your insurance company as soon as you have your documentation ready.
When you file, describe the cause clearly. Say 'wind tore shingles off during a storm' rather than 'the roof is old and leaking.' The cause matters for coverage. Your insurer will assign an adjuster to inspect the damage.
Understand the Adjuster's Role
The adjuster visits your property to assess the damage and estimate repair costs. They may climb onto the roof or use a drone. Be present during the inspection if possible, and point out all damage you have found. Ask questions about their findings.
The adjuster's report helps your insurer decide what to pay. If you disagree with their estimate, you can provide your own contractor's estimate or ask for a re-inspection. You also have the right to review your policy's coverage details.
If the Claim Is Denied
A denial does not mean you have no options. Read the denial letter to understand the reason. It may be due to a missed deadline, a lack of documentation, or a policy exclusion. You can appeal the decision by submitting additional evidence.
You can also ask for a second opinion from a public adjuster, though you may pay for their services. Remember, your policy is a contract, and the insurer must follow it. If you believe the denial is wrong, you can file a complaint with your state's insurance department.
Need help right now?
Phones are answered 24/7 for Quincy and nearby communities.
Call Now (617) 404-2753Frequently asked questions
Does insurance cover roof replacement due to age?
No, standard policies do not cover wear and tear or deterioration over time. Roof replacement due to age or lack of maintenance is your responsibility. Coverage applies only to sudden, accidental damage from perils like wind, hail, or fire.
What if the roof leak causes interior water damage?
If the leak is from a covered peril, the resulting interior damage, like stained drywall or ruined flooring, is often covered. The roof repair itself may be covered only up to the actual damage, not a full replacement, unless the roof is too damaged to repair.
Can I choose my own roofer for the repair?
Yes, you can choose any contractor you like. Your insurer may offer a preferred vendor, but you are not required to use them. Get multiple estimates and ensure the roofer provides a detailed scope of work. Your insurer pays based on their approved amount, not necessarily your contractor's bid.