Roof insurance claims, step by step
What to do after storm damage, how the adjuster meeting works and what to keep in your file. Sample guidance only, not legal or insurance advice.
The claim process
Typical timing for a residential roof claim in Massachusetts. Your insurer's process and timeline may differ.
Day 0 to 1
Step 1
Prevent further damage
Arrange emergency tarping and keep receipts. Most policies expect reasonable steps to protect the home.
Day 0 to 2
Step 2
Document the damage
Dated photos and video of the roof, yard debris, attic and interior. We add roof-level photos and measurements.
Day 1 to 3
Step 3
Report the claim
Call your insurer or use their app. Write down the claim number, adjuster name and contact details.
Day 2 to 7
Step 4
Get a professional inspection
We inspect every slope, run hail test squares if needed and prepare a line-item scope.
Week 1 to 3
Step 5
Meet the adjuster
Schedule the adjuster visit when we can attend. We walk the roof together and point out damage.
Week 2 to 4
Step 6
Review the estimate
Compare the adjuster's estimate with our scope. Missing items can be raised with your insurer through a supplement.
Week 3 to 6
Step 7
Approve and schedule
Once approved, storm customers are scheduled first. You pay your deductible and any upgrades you choose.
The adjuster meeting
The adjuster visit is the most important hour of the claim. A few habits make it go smoothly:
- Schedule it for a time when your roofer can attend
- Have your photos, receipts and our report ready to share
- Walk the interior damage with the adjuster, not just the roof
- Ask how matching materials will be handled on slate, tile or discontinued shingles
- Ask when to expect the written estimate
Documentation checklist
Tick items off as you go. The list stays on this device only.
0 of 8 items ready
Claim questions
No. Massachusetts law restricts who can negotiate claims on your behalf. We document damage, provide scopes and answer the adjuster's technical questions. For negotiation, you may hire a licensed public adjuster. This is general information, not legal advice.
You can ask for the reason in writing, request a re-inspection, or provide additional documentation. We will share our photos and findings with you either way.
No. Waiving or absorbing deductibles can be considered insurance fraud. We offer financing if the deductible is a burden.
Sample content for a demo website. Not legal, insurance or financial advice. Consult your policy, insurer or a licensed professional.
Need storm documentation?
Book an inspection and we will prepare photos and a line-item scope you can share with your insurer.
Licensed and insured in Massachusetts. No-pressure estimates (sample).