How Does an Insurance Claim Process Work?
Let’s be honest — dealing with roof damage can be a headache. Between calling the insurance company, meeting with adjusters, and trying to figure out what’s actually covered... it’s a lot.
But here’s the good news: you don’t have to do it alone. At Roov, we’re not just roofing pros — we’re insurance experts who handle this process every day. Our job is to make sure your roof replacement gets approved through your insurance, and that it’s done right, to code, and with minimal stress on you.
If your home has been hit by a storm, there’s a chance your roof could be replaced for little more than your deductible. Here’s how it all works — and how we’re with you every step of the way.
Step 1: Think You Might Have Damage?
After a storm, it’s not always obvious that your roof is damaged. You might not see anything from the ground — but hail, wind, or flying debris can still do real harm up top.
A few signs to watch for:
Missing or creased shingles
Hail hits that look like dark spots
Lots of granules in your gutters
Interior water spots or leaks
If you’re unsure, don’t climb up there yourself. Just call Roov and we’ll send someone out for a free inspection. No pressure, no sales pitch — just honest info.
Step 2: We Check It Out — For Free
One of our experienced team members will inspect your roof, take photos, and assess any storm-related damage. If we see anything that qualifies for an insurance claim, we’ll walk you through the next steps.
Because we’re insurance claim experts, we know what adjusters look for and how to document it properly. That’s what helps us get roofs approved even when others don’t.
Step 3: File the Claim with Confidence
If there’s enough damage, the next step is to call your insurance company and file a claim. We’ll mkae that call with you so you know exactly what to say — and what not to.
All you’ll need to do is give them some basic info: your policy number, the date of the storm, and a brief description of what happened.
Don’t worry — this part isn’t as scary as it sounds. And remember, we’re here to help you through it.
Step 4: We Meet Your Insurance Adjuster
Your insurance company will send an adjuster out to inspect the roof and decide if the damage is covered. This is a key moment in the process — and it’s where Roov really makes a difference.
We’ll meet the adjuster on-site to show them exactly what we found, answer any questions, and make sure they don’t miss a thing.
This is where having insurance roof experts on your side really pays off. Our team speaks their language and knows how to get you the insurance roof approval you deserve.
Step 5: Claim Gets Approved
Once the adjuster signs off, the insurance company will send you a Scope of Work — basically a breakdown of what they’re paying for.
That usually includes:
Full roof tear-off and replacement
Gutters
Labor and materials
Dump fees, nails, underlayment
Permits, if needed
You’re only responsible for your deductible, which for most people it’s between $1,000-$2,000. We’ll go through the paperwork with you and handle any follow-up directly with your insurance if needed.
Step 6: Permits, Code Compliance and Roof Replacement
Once your claim is approved, ROOV takes care of everything else. We:
Pull all required permits
Make sure everything meets local building codes
We work with you insurance to get supplemental items covered
We schedule with you
We always do a full tear off to ensure the best quality roof
Keep you updated every step of the way
We’re fully licensed and insured, and we do the job by the book — no shortcuts. Most roofs are replaced in just one day, and we clean up thoroughly so your yard looks as good as your new roof.
Step 7: Final Paperwork & You’re Done
After your new roof is installed, we send final documentation to your insurance company so they can release any remaining funds (usually called recoverable depreciation).
You get a beautiful, brand-new roof — and peace of mind knowing it was all done right.
Why Choose ROOV?
We know you have options when it comes to roofing companies. But when it comes to insurance claims, you want someone who knows the system and has your back. That’s where ROOV shines.
Insurance experts who fight for you
Licensed, insured, and code-compliant
We meet the adjuster so you don’t have to
We pull permits and handle everything
We use premium materials and skilled crews
We keep it simple and stress-free
For most of our customers, we get their roof replacement approved through insurance, and they only pay their deductible. It really can be that easy.
Think You Might Qualify?
If your roof’s been through a storm in the past year, let us take a look. There’s no cost and no risk — and you might end up with a brand new roof for just your deductible.
Reach out today to schedule your free inspection.