Roof Insurance Claim Process for Ohio Homeowners

If you are reading this article, you are likely dealing with some form of roof damage and wondering if you are covered by insurance.

You might have a leaky roof, hail damage, fallen trees or other sudden accidents.

On top of roof damage being stressful and time sensitive, insurance claims can be daunting. Luckily, our team has handled hundreds of roof insurance claims throughout Akron and Cleveland Ohio and we are here to help. 

You might be asking yourself questions like…

What types of roof damage are covered by homeowners insurance?

How do I find the best roofing company for my claim?

How do I open a claim?

This should go without saying, but if your roof is leaking, sagging or simply unsafe to live under please contact a Local Roofing Expert for an inspection today.

Let’s get started.

1. Types Of Roof Damage Covered

You can find the coverage you qualify for within your homeowners insurance policy. Typically, homeowners insurance covers accidental, sudden or natural events like:

  • storm damage
  • wind damage
  • hail damage
  • fire
  • fallen trees

One step you can take for preventing roof damage is to stay on top of home maintenance, fix broken shingles or leaks before they become a bigger problem, and ensure trees are trimmed and not hanging over your home.

2. Research Local Roofers

Opening a claim and dealing with storm damage repairs can be intimidating, but at the end of the day, your insurance claim process should be easy if you choose the right roofing contractor in your area. A professional roofing contractor will not only repair your roof, but they will assist with your claim from the very beginning and provide you with an estimate before you meet with the insurance adjuster.

Researching a few reputable contractors with insurance claim experience is time well spent. When it comes to dealing with your insurance adjuster, you’ll be glad to have an experienced roofer to assist along the way and help negotiate.

When researching a roofing company, be sure to take a look at their:

Additionally, when you contact a roofer, be sure to ask them questions about the insurance claim process, turnaround times, and their experience dealing with adjusters.

3. Schedule A Roof Inspection

After you’ve spent time finding the right roofer, it’s time to schedule an inspection.

Always contact a roofer before filing a claim with your insurance company.

Your roofer will provide you with an estimate after the inspection that you can then show your insurance provider. This is an important step as it will ensure you get the best rate within your plan. Insurance is there to help you, but they want to make money too!

Some items to consider in preparation for your roof inspection are:

  • Be aware of your insurance policy and deductible
  • Inspect your home for damages and leaks ahead of time
  • Take preventative measures until your contractor arrives


Craig Roofing is an insurance expert and provides free roof inspections & quotes to Northeast Ohio.

4. Open A Claim

Once you receive an estimate from the inspection, your roofing contractor will assist you on opening your insurance claim.

The insurance adjuster will coordinate a time to meet your roofing contractor at your property to assess your home.

When working with a reputable roofing company, they will be on site to meet the adjuster and help negotiate costs with your insurance company. The adjuster will take into account items like the age of your roof, if its been maintained, and the severity and cause of damage.

5. Replace Your Roof

While waiting to receive your first check from your insurance provider, you can be thinking about what materials, colors, and modifications you will want for your home.

When you receive your first check from your insurance company, your contractor will schedule a time that works for you and begin the roofing process. Most roofing jobs are completed in 1-2 days.

Choosing an Experienced Roofer Matters

From the initial inspection and communicating with your insurance adjuster, to ensuring you have a quality roof over your head – selecting a reputable roofer will make the process easier, save your bottom line, and keep your home safe. The right company will provide you with a free inspection and estimate, handle the insurance claim process, and when all is said and done – install a high quality roof for your home.

Craig Roofing prides itself on excellent customer service and insurance claim expertise. Give our team a call today for all of your storm damage, insurance claim, and roofing needs and we’d be happy to assist you.