How a roof claim actually works

Mind the deadline

Policies impose time limits on reporting damage, and they are shorter than people assume. Damage found late — hail in particular — is often denied simply because too long has passed.

Stop further damage, and keep the receipts

Emergency mitigation is normally recoverable and routinely forgotten. Save the paperwork for the tarp as carefully as the paperwork for the repair.

Photograph everything, immediately

Wide shots that show the house, close shots that show the damage, and pictures of the inside where water came through. Dated, before anybody touches anything. An adjuster can work with photographs; they cannot work with a description.

Know what your policy actually pays

The two clauses that decide the cheque are the settlement basis and the deductible. Some policies also carry a separate, larger deductible for wind and hail.

Read anything before you sign it

An assignment of benefits hands control of your claim to a contractor. There are legitimate uses for it and it is also the single most common way homeowners lose control of a claim. Never sign one on the doorstep.

Get an independent assessment first

A written contractor assessment before the adjuster visits gives you a scope to compare against. If the two disagree, ask for the contractor to be present at a re-inspection — it changes the conversation considerably.

In short

The homeowners who do well out of claims are not the ones with the worst damage. They are the ones with the best photographs.