Expert Help with Your Roof Insurance Claim
Protect your home with All Seasons Roofing & Construction! We guide you through the roof insurance claim process, ensuring a stress-free experience. Whether it's hail, wind, or storm damage, we help you secure the coverage you deserve. Contact us today for your roof insurance claim needs!
Don't Let Your Rates Go Up!
Think your roof’s damaged? Call us to work with your insurance agent for you. We’ll inspect for free and help protect your rates.
Having your insurance company inspect could be considered a 'No-Pay Claim' which could cause your premiums to rise.
Property Value & Curb Appeal
A brand-new roof not only looks great but also adds value and peace of mind for future buyers or appraisers.
✔️ Step-by-Step Insurance Process With Us:
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Inspection – A certified roofing professional assesses your roof for damage.
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File a Claim – If damage is found, a claim is filed with your insurance provider.
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Adjuster Visit – Your insurance company sends an adjuster to evaluate the damage.
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Approval & Estimate – When approved, you'll receive a claim estimate and coverage amount.
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Roof Replacement – Your new roof is installed, and the insurance company pays according to your policy terms.
🛠️ Protect Your Investment
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Upgrade Shingles: Many homeowners opt to upgrade from basic shingles to architectural or impact-resistant materials.
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Add Ventilation: Improve energy efficiency by adding or upgrading attic ventilation.
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Supplemental Coverages: In some cases, additional items like gutters or siding can be covered.
🌨️ Hail
Hailstorms can leave behind subtle but serious damage. Even small hailstones can bruise or crack shingles, weakening your roof's integrity and leading to leaks over time.
Signs of Hail Damage:
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Dented or bruised shingles
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Granule loss exposing the mat layer
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Cracked or split shingles
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Damaged flashing or gutters
Why It Matters: Hail damage isn’t always visible from the ground, but it can significantly shorten the lifespan of your roof. A professional inspection after a storm is key.
💨Wind
Strong winds can lift, crease, or completely tear off shingles, leaving your roof vulnerable to water intrusion and further damage.
Signs of Wind Damage:
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Missing shingles
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Curling or flapping shingles
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Debris accumulation on the roof
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Leaks in the attic after storms
Why It Matters: Even one missing shingle can allow water into your roof system. Early detection and repair can prevent much more costly damage later.
🕒 Age
Roofs naturally deteriorate with age due to sun exposure, temperature changes, and general wear and tear. Most asphalt roofs last 15–30 years depending on materials and conditions.
Signs of Aging Roofs:
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Curling or brittle shingles
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Widespread granule loss
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Sagging or uneven areas
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Frequent leaks or repairs
Why It Matters: An aging roof may not be covered by insurance unless storm damage is present. However, replacing it before failure can save money in the long run and protect your home.
Roofing Insurance: What Homeowners Should Know
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Insurance typically covers sudden damage & Discontinued shingles.
– Storm damage (hail, wind, fallen trees) is usually covered. -
You must file a claim within a certain time after the damage.
– Some policies require claims within 6–24 months of the event or damage.
– Delaying could lead to denial of coverage. -
Your deductible applies to roof claims.
– You’ll pay your deductible amount before insurance covers the rest.
– Common deductibles range from $500 to $2,500. -
You should get a professional roofing inspection before filing a claim.
– A licensed roofer can assess if damage is severe enough to justify a claim.
– This can help protect your insurance rates and avoid claim denials. -
Too many claims can raise your premiums.
– Even denied claims can impact your record.
– That’s why it’s important to only file when necessary — with expert advice from a roofer. -
Your policy may include Actual Cash Value (ACV) or Replacement Cost Value (RCV).
– ACV pays for the roof minus depreciation.
– RCV pays the full replacement cost (less your deductible). -
Insurance companies send an adjuster to verify damage.
– They determine what’s covered and how much will be paid out.
– Having a roofer present during this visit can help ensure nothing is missed. -
Supplemental damage may be covered.
– If the inspection uncovers other storm-related issues (gutters, siding, vents, property), these may be added to your claim. -
You don’t have to pay out of pocket beyond your deductible (in most cases).
– Once approved, insurance covers the rest of the cost for repairs or full replacement.
