Insurance Claim Estimator
Estimate your roof insurance claim value. Understand deductibles, depreciation, and what to expect from your insurance company.
Claim Information
Roof Details
Damage Information
Additional Damage:
Insurance Policy
Documentation
Ready to Estimate Your Claim
Enter your roof and damage information to see your estimated insurance claim value, deductible impact, and recommendations for maximizing your payout.
Frequently Asked Questions
How long do I have to file a roof insurance claim?
Most policies require you to file within 1 year of the damage, but some states allow up to 2 years. However, filing within 30-60 days is ideal. The sooner you file, the easier it is to document storm-related damage versus normal wear.
Will my insurance rates go up if I file a roof claim?
Weather-related claims (hail, wind) typically don't increase rates as much as liability claims. However, filing multiple claims within 3-5 years may affect your rates or insurability. One legitimate storm damage claim usually has minimal impact.
What if my claim is denied?
You can appeal the decision, request a re-inspection with a different adjuster, hire a public adjuster to advocate for you, or consult an insurance attorney. Many denied claims are overturned on appeal with proper documentation.
Can I keep the insurance money and not fix my roof?
With an RCV policy, you must complete repairs to receive the full payout (depreciation holdback). With ACV, you technically receive the money outright, but not repairing leaves you vulnerable and may violate mortgage requirements.
Should I get multiple roofing estimates?
Yes, getting 2-3 estimates helps you understand fair pricing and identify any damage one contractor might miss. However, the lowest bid isn't always best—quality and reputation matter more.