Does Your Roof Qualify for an Insurance Claim?
Answer seven quick questions and we'll help you understand whether filing an insurance claim might be the right next step for your roof.
If your roof was recently hit by a hailstorm, windstorm, or other weather event in Utah, you might be wondering whether it makes sense to file an insurance claim. It's a fair question — and the answer depends on several factors that most homeowners don't think about until they're already on the phone with their insurance company.
Insurance covers sudden, accidental damage — think hail, wind, fallen trees, or ice dams. It does not cover gradual wear and tear, deferred maintenance, or roofs that are simply old. The timing of your claim, the type of damage, your policy type (RCV vs. ACV), and how well the damage is documented all play a role in whether your claim gets approved.
This quiz walks you through the key factors that determine whether your situation is likely to result in a successful claim. It takes about two minutes and gives you a clear starting point — so you know whether to call your agent or whether there's a better path forward.
Prefer to talk to someone? Call us directly.
Tips Before Filing a Roof Insurance Claim
Document everything first
Take photos and video of any visible damage before calling your insurance company. Document from the ground and, if safe, from the roof. Timestamped photos strengthen your case.
Know your deductible
If repair costs are close to your deductible amount, filing may not be worth it. A professional inspection gives you a realistic damage estimate so you can make an informed decision.
Get a professional inspection before filing
A licensed roofer can identify and document damage that's invisible from the ground. Their inspection report gives your insurance company exactly what they need to process the claim.
Never sign an AOB blindly
An Assignment of Benefits (AOB) transfers your claim rights to a contractor. Some legitimate contractors use these, but understand what you're signing before you hand over control of your claim.
Be cautious of door-knockers
If a roofer showed up uninvited claiming you have storm damage, slow down before filing anything. Storm chasers use high-pressure tactics and sometimes fabricate or exaggerate damage. Take our Storm Chaser Red Flags quiz to evaluate the interaction.
Common Questions About Roof Insurance Claims
Can I file a roof insurance claim myself, or do I need a contractor? +
How long do I have to file a roof insurance claim in Utah? +
Will filing a claim raise my homeowner's insurance rates? +
What is the difference between RCV and ACV on a roofing claim? +
What if my insurance company denies my claim? +
Not Sure What to Do Next?
We inspect roofs for storm damage at no charge and help you understand what you're dealing with before you file anything.
Or call us: (435) 787-0910