1. Make the home safe and document damage
Stay clear of damaged ceilings, electrical fixtures and unstable roof areas. Photograph water stains, damaged belongings and exterior damage from safe places. Write down the storm date, the first leak and any earlier roof problems.
Arrange reasonable temporary protection if needed. Save the roofer's invoice and photos of that work. Do not leave water entering your home while waiting for an inspection. Ask your insurer what records it needs for emergency expenses.
2. Contact your insurer and read the policy
Use the contact details on your policy or insurer website. Describe what you observed without guessing the cause. Ask about reporting deadlines, the deductible, roof endorsements and any documents you must submit. Write down the claim number and contact person.
Some policies treat wind or hail differently from other losses. A percentage deductible can be based on a stated insured value, not the repair bill. Ask the insurer to show you the dollar amount. Do not assume a contractor can remove your deductible.
3. Prepare for the adjuster visit
Collect the photos, temporary repair receipts and a roof inspection report if you have one. Ask when the adjuster will come and what access is needed. You can ask whether your roofer may attend to point out observed damage and explain a repair scope.
A roofer being present does not control the outcome. The adjuster evaluates the loss for the insurer. If you disagree with the scope, request an explanation in writing and ask about the insurer's review process. Keep discussions tied to evidence rather than a promised payout.
4. Understand depreciation, ACV and RCV
Replacement cost value, or RCV, is the estimated cost to replace covered property with comparable new materials, subject to policy terms and limits. Actual cash value, or ACV, generally subtracts depreciation for age and condition. The deductible still applies.
Some replacement-cost policies initially hold back recoverable depreciation until you finish covered work and submit documents within the policy deadline. Other roof endorsements settle at ACV. Ask whether depreciation is recoverable in your case before planning your budget.
For a simple illustration only, a $15,000 covered RCV estimate less $4,000 depreciation and a $1,000 deductible could mean an initial $10,000 payment. If the $4,000 is recoverable and policy conditions are met, it may be paid later. This is arithmetic, not a forecast of your claim.
5. Match the estimate to the work and close the file
Compare the insurer's scope with the contractor's itemized estimate. Ask about differences in measurements, flashing, decking and required work. Send supporting evidence for disputed items through the insurer's process before assuming extra costs are covered.
Keep final invoices and completion photos. Confirm any deadlines for submitting them. You remain responsible for your contract and costs not covered by the policy. This guide is general information, not insurance or legal advice.
Common questions
Will insurance pay for an old roof?
Age alone does not establish coverage. Cause of loss, condition, exclusions and roof endorsements matter. Ask your insurer to explain your policy.
What is recoverable depreciation?
It is withheld depreciation that may be paid after covered work and required documentation are completed under a replacement-cost policy. Not every policy allows recovery.
Should my roofer meet the adjuster?
You can ask your insurer about having the roofer attend to explain observed damage. Attendance does not guarantee approval or a larger payment.