Dealing with roof damage can feel scary and stressful. Calling your insurance company can feel even harder, especially if you’ve never filed a claim before. Many people first reach out to a roofing contractor in Roanoke or another Indiana town to help guide them. With weather like hail, wind, snow, storms, and falling trees, roof insurance claims are very common in Indiana. So it helps to know what to do before damage happens.
What Roof Damage Is Usually Covered?
Most homeowners’ insurance covers sudden damage, not old or worn-out roofs. Your roof may be covered if the damage was caused by:
- Hail
- Strong wind
- Storm debris
- Falling branches
- Lightning
- Tornadoes
- Fire
- Sometimes ice dams
Insurance usually does not cover:
- Old shingles are wearing out
- Damage from lack of care
- Leaks from age
- Moss or algae
- Poor installation from the past
A simple rule to remember is this:
Insurance covers events, not age.
Common Roof Damage in Indiana
Hail Damage
Hail can bruise shingles and knock off granules. Even if you don’t see a leak yet, the roof may still be weak.
Wind Damage
Strong wind may tear, crease, or lift shingles. This is one of the most common reasons people file claims.
Tree & Debris Damage
Branches and trees can break shingles or punch holes in the roof.
Ice Dams
Ice on the roof edge can cause leaks. Some insurance plans cover this, but some don’t.
The Most Important Step: Document Everything
If you think your roof was damaged, take pictures right away. Good proof helps your claim.
Be sure to:
- Take photos from the ground
- Photograph missing or broken shingles
- Write down the storm date and time
- Check your attic for wet spots
- Take pictures of any ceiling stains
- Keep receipts for tarps or emergency fixes
More proof means a smoother process.
Should You Call Insurance First?
You may think insurance should be your first call, but that’s not always best. Many experts suggest calling a roofing professional first.
Here’s why:
- Not all damage should be claimed
- Filing unnecessary claims may affect your policy history
- A roofer can help show real storm damage
- They can meet the adjuster and explain the repairs
- They know the difference between age and storm damage
A good roofer will tell you the truth about whether a claim makes sense.
How the Claim Process Works
Most claims follow these steps:
- Roof Inspection — A contractor checks your roof and documents damage.
- Decision — You decide whether to file a claim.
- File the Claim — You contact your insurance company.
- Adjuster Visit — Your roofer should meet the adjuster if possible.
- Approval — Insurance decides what is covered.
- Roof Work Begins — Repairs or replacement are done.
- Final Check & Paperwork — Extra hidden damage may be added as a supplement.
Key Insurance Terms To Know
ACV — Actual Cash Value
You get paid what the roof is worth today.
RCV — Replacement Cost Value
Insurance pays the full replacement cost (minus your deductible).
Deductible
This is the part you pay. It is illegal for contractors to “cover” your deductible.
Why Claims Get Denied
Common reasons include:
- Old roofs
- Damage labeled “wear and tear.”
- Bad installation in the past
- Not enough proof
- Claim was filed too late
A good contractor can sometimes help challenge denial.
Final Thoughts
Insurance claims don’t have to feel confusing. When you understand the process and work with someone you trust, the job becomes much easier.
Remember to:
- Document your damage
- Get a roof inspection before filing
- Have your roofer meet the adjuster
- Ask questions
- Never rush into signing anything
Your roof protects your home and your family, and knowing how insurance works helps you protect it the right way.
