Michigan homeowners know that severe weather can strike at any time. One day, it’s a strong thunderstorm with high winds; the next, hail is pounding down on your roof. When storm damage occurs, filing an insurance claim may seem overwhelming, but knowing what to do can save you time and money.

The roof insurance claims process can be tricky if you don’t follow the right steps. Many homeowners struggle with delays, lowball insurance payouts, or even denied claims. That’s why understanding the correct process is crucial.

This guide will help you handle your roof insurance claim efficiently, so you can get your home back to normal as soon as possible.

Step 1: Assess the Damage Right Away

After a major storm, take a close look at your property. While it might be tempting to check the roof yourself, stay on the ground and look for warning signs like:

• Missing, cracked, or curled shingles
• Shingle granules in gutters or near downspouts
• Dented metal roofing
• Leaks inside your home
• Fallen branches or debris on the roof

If you notice any of these issues, take clear photos and videos. These will be crucial when filing your claim. However, for a full assessment, it’s best to call a licensed roofing professional who can safely inspect your roof and provide an expert opinion.

Step 2: Review Your Homeowners Insurance Policy

Before filing a claim, make sure you understand your coverage. Homeowners insurance policies vary, so check for:

• Covered Types of Damage – Storm damage (wind, hail, fallen trees) is usually covered, but normal wear and tear is not.
• Deductible Amount – You’ll need to pay a deductible before your insurance covers the remaining cost.
• Filing Deadlines – Most insurance companies require claims to be filed within a certain time after the damage occurs.

If you have any questions about your policy, call your insurance provider before submitting a claim to clarify your coverage.

Step 3: Contact a Trusted Roofing Contractor

Having a professional inspection is one of the most important steps in the roof insurance claims process. A licensed roofing contractor can:

• Conduct a thorough inspection to identify all damage
• Provide a detailed estimate for repairs or replacement
• Help document the damage with photos and reports
• Assist in discussions with your insurance adjuster

A contractor’s estimate helps ensure the insurance company covers all necessary repairs, not just the obvious damage. At Melvin Belk Roofing, our team specializes in working with Insurance Claims, helping homeowners document damage properly and maximize their claim payouts.

Step 4: File Your Insurance Claim

Once you have the damage assessed and documented, it’s time to file the claim with your insurance provider. Be prepared to provide:

• Your policy number
• The date of the damage
• A description of what happened (e.g., “Strong winds blew shingles off my roof.”)
• Photos and videos of the damage
• The contractor’s repair estimate

Once your claim is submitted, the insurance company will send an adjuster to inspect the damage.

Step 5: Meet with the Insurance Adjuster

Your insurance adjuster’s job is to determine how much the company will pay for repairs. However, their goal is often to minimize payouts. That’s why it’s smart to have your roofing contractor present during the inspection.

A contractor can:

• Point out damage that might be overlooked
• Ensure all necessary repairs are included in the insurance estimate
• Advocate for a fair settlement on your behalf

If your adjuster’s estimate is lower than expected, don’t be afraid to challenge it by providing additional documentation.

Step 6: Review the Insurance Estimate

After the adjuster’s visit, you will receive an estimate detailing what the insurance company is willing to cover. Carefully review this estimate and compare it with the contractor’s quote.

If there’s a large difference, discuss it with your insurer. You may need to:

• Provide more documentation to justify the claim
• Request a second inspection
• Ask your contractor to help negotiate a higher payout

Insurance companies often start with a lower offer, expecting homeowners to accept it. By pushing back with solid evidence, you can often get a better settlement.

Step 7: Approve Repairs and Start Work

Once you’ve finalized the claim, it’s time to schedule your roof repair or replacement.

Before work begins:

• Confirm the scope of repairs with your contractor
• Make sure the insurance payout covers all costs
• Discuss any warranties on materials and labor

Your insurance company may issue two payments—one upfront and one after the work is completed.

Step 8: Close the Claim and Finalize Payment

Once the roof repairs are complete:

• Have your contractor provide proof of completion
• Submit any required documents to your insurance company
• Ensure all final payments are made

If additional damage is discovered during repairs, your contractor can help file a supplemental claim to cover unexpected costs.

Common Mistakes to Avoid When Filing a Roof Insurance Claim

• Waiting Too Long to File – Delays can lead to denied claims.
• Not Documenting the Damage Properly – Take clear photos and videos from multiple angles.
• Accepting a Low First Offer – Compare your contractor’s estimate with the insurance offer before accepting.
• Using Unqualified Contractors – Always hire a licensed and insured roofing expert to ensure quality work.

Why Work with a Local Michigan Roofing Contractor?

Navigating the roof insurance claims process is easier with a local expert by your side. A Michigan-based contractor understands:

• Regional weather challenges that affect roofs
• Local building codes and insurance requirements
• The best materials for harsh winters and heavy storms

For professional guidance, trust Melvin Belk Roofing, a leading Michigan roofing contractor specializing in Insurance Claims. Our team understands local building codes, insurance requirements, and the best materials to withstand Michigan’s harsh weather conditions.

Final Thoughts

Filing a roof insurance claim may seem overwhelming, but by following the right steps, you can secure a fair payout and get your roof repaired quickly. The key is acting fast, documenting everything, and working with a trusted roofing professional to guide you through the process.

If your home has suffered roof damage, don’t wait—start the roof insurance claims process today and ensure your home gets the protection it needs.

Frequently Asked Questions

How soon should I file a roof damage claim?

Most insurance companies require claims to be filed within 6 to 12 months of the damage. Check your policy for exact deadlines.

Will my insurance cover a full roof replacement?

It depends on the extent of the damage. If repairs won’t restore the roof to its previous condition, your insurer may approve a full replacement.

What if my insurance company denies my claim?

You can request a second inspection, provide additional documentation, or appeal the decision. A qualified roofing contractor can help with this process.

Do I have to use the insurance company’s contractor?

No. You have the right to choose any licensed roofing contractor to complete the work.