Roof Claims

Descripción

Roof insurance claims are requests filed by homeowners to cover roof damage caused by storms, hail, wind, fire, or falling trees. If your roof has sustained damage, you can file a claim to receive coverage for repairs or replacement, depending on your policy.
What Is a Roof Claim?
A roof claim is a formal request made to your insurance company for compensation due to covered roof damage. It helps homeowners recover repair or replacement costs after unexpected weather events.
Types of Coverage:
Replacement Cost Value (RCV): Pays for full roof replacement (minus deductible) — often in two payments (ACV upfront and balance upon completion).
Actual Cash Value (ACV): Pays the depreciated value of your roof; lower premiums but reduced coverage.
Tip: Always review your policy to understand your coverage type before filing a claim.
Steps to File a Roof Insurance Claim:
Inspect your roof for visible damage after storms.
Contact a licensed roofing contractor for a professional inspection and damage report.
Document all damage with photos and videos.
File your claim with your insurance company and submit supporting documents.
Meet the insurance adjuster to assess the damage.
Review the settlement offer to ensure it covers all necessary work.
Begin repairs or replacement — Rhino handles the entire process for you, ensuring quality and peace of mind.