Insurance Claims Assistance with Burlington Roofing Group
Burlington Roofing Group
Navigating the Roof Insurance Claim Process with Trusted Roofing Contractors
Filing an insurance claim for storm-damaged roofing can be stressful and time-consuming. At Burlington Roofing Group, we connect homeowners with reliable, licensed roofing contractors who can help with damage assessments, claim documentation, and full roof replacements.
Important Disclaimer: Burlington Roofing Group is not a public insurance adjuster, nor do we act as one. We do not negotiate or settle insurance claims. However, the roofing contractors we refer can meet with your insurance adjuster to review the scope of work and ensure all necessary repairs are properly documented.
Step 1: Get a Roof Inspection and Estimate
Before you file a claim, it’s important to verify that your roof has qualifying damage that may be covered under your insurance policy.
Schedule a Free Roof Inspection with one of the vetted roofing contractors in our network. They will:
- Conduct a thorough inspection for wind, hail, or storm-related damage
- Identify and document issues like missing shingles, roof leaks, structural concerns, or signs of water intrusion
- Provide a detailed inspection report to assist in your insurance claim submission
Call (267) 489-2691 or fill out our online form to request a roof inspection with a trusted contractor.
Step 2: Filing Your Insurance Claim
Once the damage has been verified, the next step is to initiate a claim with your insurance company.
Things to Know When Filing a Claim:
- Contact your insurance provider’s claims department directly to begin the process
- Be ready to provide:
- The date and time of the storm
- Your insurance policy number
- Any photos or reports collected during your inspection
- The date and time of the storm
- The insurer will issue a claim number, which you will use throughout the process
The roofing contractor we refer will help you understand what to expect and can answer questions about estimates and next steps.
Step 3: Insurance Adjuster Inspection
After your claim is submitted, your insurance company will assign an adjuster to inspect your roof and verify the reported damage.
- The adjuster typically contacts you within 48 hours to schedule an appointment
- Notify your contractor of the appointment so they can attend the inspection
Why Have a Roofing Contractor Present?
Insurance adjusters represent the insurance company, not the homeowner. Having a contractor present helps ensure:
- All storm-related damage is properly noted and included
- The repair estimate meets local building codes and roofing standards
- No essential repairs are overlooked or undervalued
While your contractor can discuss required repairs, they will not negotiate your claim settlement.
Step 4: Reviewing Your Insurance Estimate
After the adjuster’s visit, your insurance company will provide a Scope of Work that outlines:
- Approved repairs and replacement costs
- Depreciation amounts, if applicable
- Your deductible responsibility
What to Do Next:
- Share the insurance paperwork with your contractor
- They will review it line-by-line to ensure all necessary work is covered
- If any items are missing, your contractor can assist in filing a supplement request with your insurer
Timeframe: Most homeowners receive their insurance estimate within 7–10 days of the adjuster’s inspection.
Step 5: Roof Replacement & Insurance Payment Process
Most storm damage claims involve multiple payments issued by your insurance company.
First Payment: Actual Cash Value (ACV)
- This payment covers the depreciated value of your existing roof
- It is released shortly after the claim is approved
Roof Replacement Begins
- Once your ACV check is received, your contractor will schedule the roof replacement
- You are responsible for paying your policy deductible
Second Payment: Recoverable Depreciation
- If your policy allows, this payment is made after the work is complete
- Your contractor will submit a final invoice to the insurance company to release these funds
Final Step: After receiving the second payment, you submit the final amount to the contractor once the roof work is finished.
Why Work with the Roofing Contractors We Refer?
Free Roof Inspections –
Get a comprehensive storm damage assessment
Expert Guidance –
Understand your insurance documents and next steps
Licensed & Insured Pros –
All work meets state and local building codes
Smooth Process –
Contractors work directly with your adjuster
Quality Craftsmanship –
Roof replacements are completed to high industry standards
Frequently Asked Questions (FAQs)
1. How do I know if my roof damage qualifies for an insurance claim?
If your roof has missing shingles, signs of hail or wind damage, or leaks, it may qualify. A contractor can perform a free inspection and provide all documentation needed.
2. Will my insurance rates increase if I file a claim?
Most weather-related claims are classified as acts of nature and typically do not affect your premium. Still, check with your insurer for clarification.
3. How long does the insurance claims process take?
The process usually takes 2 to 4 weeks, depending on your provider’s responsiveness and the adjuster’s availability.
4. Do I need multiple estimates for my insurance claim?
No. Insurance companies often rely on their adjuster’s estimate. However, if their offer is too low, the contractor can help submit a supplement for additional coverage.
5. What happens if my claim is denied?
You can request a reinspection. Your contractor can provide additional documentation or photographic evidence to support your appeal.
Get Started with Your Roof Insurance Claim Today!
Don’t wait—roof damage can worsen with time, and your insurance policy may cover the entire replacement cost.
Call (336) 586 6765 to schedule a free inspection with one of our trusted roofing contractors.
Email us at burlingtonroofinggroup@gmail.com to begin the process.
Reminder: Burlington Roofing Group is not a public adjuster and does not negotiate claims. We connect homeowners with qualified contractors who will inspect, document, and professionally repair your roof.