Your Guide to Roof Replacement and the Insurance Claim Process

Your Pillar Roofing Concierge guides you from the initial assessment through the final walkthrough, explains the construction process, organizes roofing documentation, and keeps you informed. Coverage and claim decisions remain with you, your insurance company, or a licensed public adjuster.1. Understanding Your Insurance Coverage

1.Understanding Your Insurance Coverage

Before filing a claim, review your policy and declarations page. Coverage varies, but policies may cover sudden damage caused by hail, wind, lightning, fire, or falling debris. Gradual wear, poor maintenance, and cosmetic conditions may be excluded.

Key Terms to Know:

RCV (Replacement Cost Value): The cost to repair or replace covered property with comparable new materials, subject to policy terms and your deductible.

ACV (Actual Cash Value): The value of covered property after depreciation.

Deductible: The portion of a covered loss you are responsible for paying.

Exclusions: Provisions that limit coverage or add protection, including cosmetic-damage clauses and ordinance-or-law coverage.

Keep records of previous roofing work, maintenance, and pre-storm photographs when available.

2. Documenting Roof Damage

Record the date, time, and weather event. Photograph visible exterior damage, interior water stains, and damaged property before cleanup or permanent repairs. Make only reasonable temporary repairs needed to prevent additional damage, keep receipts, and follow your insurer’s instructions.

Your Concierge can provide measurements, condition photographs, and construction-scope recommendations for the insurer’s review.

3. Filing the Insurance Claim

Notify your insurer promptly with your policy number, date of loss, and description of the damage. Record the claim number, adjuster’s contact information, required documents, and any deadlines.

4. Working with the Adjuster and Handling Estimates

Your Concierge can attend the adjuster’s inspection to identify visible construction damage and provide measurements and photographs. After the insurer issues its report, we can compare the construction scope with our findings, explain roofing line items, and provide estimates, invoices, and supporting construction documentation.

Coverage decisions and claim negotiations remain between the homeowner and insurer or a licensed public adjuster.Common next steps:

Our Team will review the adjuster's report with you and help decipher the line items. The adjuster's report is key to the process; once reviewed, we schedule and implement a restoration plan within the homeowner's time frame.

The Adjuster Report:

The Team reviews the adjuster’s report alongside our inspection findings and proposed construction scope. We can provide measurements, photographs, estimates, invoices, and other supporting documentation for the insurance company’s review. Coverage decisions and claim negotiations remain between the homeowner and the insurance company or a licensed public adjuster.

Supplement Documentation:

Your Pillar Roofing Concierge can attend the adjuster’s inspection to identify visible construction damage and provide measurements, photographs, estimates, invoices, and other supporting documentation. Coverage decisions and claim negotiations remain between the property owner and the insurance company or a licensed public adjuster.

5. The Roofing Project: From Start to Finish

Once the work is authorized and the roofing agreement is completed, your Concierge coordinates:

• Required permits and municipal inspections

• Protection for landscaping, driveways, windows, and exterior property

• Removal of existing roofing and inspection of the roof decking

• Necessary decking repairs

• Underlayment and ice-and-water protection in vulnerable areas

• Proper flashing, ventilation, drip edge, and selected roofing materials

• Installation according to manufacturer requirements and local codes

• Debris removal, magnetic nail sweeps, and final cleanup

• Final walkthrough, photographs, and completed-project documents

Most residential roof replacements take approximately one to three working days, depending on roof size, complexity, repairs, and weather.

6. Payments, Warranties, and Completion

You pay your deductible directly to Pillar Roofing. Your insurer issues approved funds according to your policy, sometimes through payments made jointly to you and your mortgage company.

At completion, your Concierge provides the final invoice, applicable manufacturer and workmanship warranty documents, before-and-after photographs, permit sign-offs, a maintenance guide, and any construction documents needed for remaining approved payments.

When applicable to a qualifying complete residential re-roof, Pillar Roofing’s transferable limited lifetime workmanship warranty reflects our commitment to the completed work.

Frequently Asked Questions

How long does the process take?

Adjuster scheduling may take days or weeks. Once approved and scheduled, most residential roof replacements take one to three working days. Major storms can extend the overall timeline.

Do I have to choose Pillar Roofing?

No. You have the right to select your contractor. Choose a properly insured, established local roofer familiar with construction documentation and insurance-related projects.

Can repairs begin before the adjuster visits?

Document the damage and follow your insurer’s instructions. Emergency measures may be needed to prevent additional loss, but permanent repairs should generally wait until the property has been inspected.

From the initial inspection through the final walkthrough, your Pillar Roofing Concierge keeps the project organized and keeps you informed.