Key Takeaways
- Knowing what to expect when filing roof insurance helps you avoid delays and surprises.
- Calling Team Armour first can prevent unnecessary claims that might affect your premium.
- An insurance adjuster will inspect your roof, and Team Armour will be there to advocate for you.
- If the claim is approved, the insurance company typically matches Team Armour’s estimate.
- You don’t pay Team Armour until you receive payment from your insurance company.
You pay your homeowner’s insurance so that when something goes wrong, you’re protected. But when a storm hits, and you worry about roof damage, it’s not always clear what to expect when filing a roof insurance claim or where to start.
The process can feel overwhelming, but it doesn’t have to. Several members of the Team Armour crew have worked as insurance adjusters and inspectors, so we understand how the system works and can guide you through it step by step.
Here’s what to expect when filing roof insurance and how we help at every stage.
Step 1: Call Team Armour Before You File a Claim
As soon as you think your roof may be damaged after a weather event, call Team Armour first.
Some insurance policies require you to file a claim within a certain timeframe after the storm, so it’s important not to wait too long. But filing a claim when there’s no real damage can negatively impact your premium. That’s why having us look at your roof first is so valuable.
We’ll come to your property, inspect your roof, and let you know if the damage is significant enough to involve your insurance company. If everything is in good shape, you can avoid filing an unnecessary claim, and that can save you money down the road.
Step 2: File Your Roof Insurance Claim
If we confirm that there is storm-related damage, your next move is to file a claim with your insurance provider.
You can typically do this:
- Over the phone with a claims representative, or
- Online through your insurance company’s website or app
Be prepared to answer basic questions, such as:
- The date and time of the storm (or as close as you can estimate)
- What you noticed after the storm (missing shingles, leaks, debris, etc.)
- Whether there is any active leaking or interior damage.
This step officially opens your claim and starts the formal roof insurance process.
Step 3: Meet With the Insurance Adjuster (We’ll Be There Too)
After your claim is filed, your insurance adjuster will reach out to schedule an on-site inspection of your roof.
When that happens, let us know the date and time, and we’ll attend that inspection with you.
During the adjuster’s visit, Team Armour will:
- Share detailed storm data relevant to your property.
- Walk the adjuster through the damage we found.
- Identify each material and area that requires repair or replacement.
Our goal is to make sure nothing is missed and that the adjuster sees the full scope of storm damage. Based on the inspection and available data, the insurance adjuster will decide if the damage meets the company’s criteria to be covered under your policy.
Knowing what to expect when filing roof insurance includes understanding this critical step: the adjuster’s decision is what determines whether your claim is approved.
Step 4: Review the Scope of Work and Estimate
If the adjuster decides that your damage is covered by your policy, a Team Armour representative will prepare a contract that outlines the scope of work.
Typically, we can get the insurance company to match our estimate so that:
- The work needed is clearly defined
- The pricing is aligned with industry standards
- You know exactly what is being covered and completed on your home
Once you review and sign the contract, Team Armour can get to work protecting your home and restoring your roof.
Step 5: Payment and Project Management
One of the biggest concerns homeowners have about filing a roof insurance claim is cost. Here’s the part most people are relieved to learn:
You won’t need to pay Team Armour anything until you receive payment from your insurance company.
That means you can move forward with necessary repairs or replacement without worrying about paying out of pocket upfront (beyond your deductible, if applicable).
Your Team Armour project manager will stay with you through every phase:
- Coordinating scheduling and materials
- Overseeing the crew and job site
- Answering your questions about insurance paperwork and payments
- Making sure your home is protected and cleaned up properly
With the right partner, knowing what to expect when filing roof insurance becomes much simpler and less stressful.
Let Team Armour Guide You Through Your Roof Insurance Claim
Filing a roof insurance claim doesn’t have to feel confusing or intimidating. When you know what to expect when filing roof insurance, from the first phone call and inspection to the adjuster visit and final payment, you can move forward with confidence.
Team Armour is here to be your guide through every step of the process. We’ll inspect your roof, help you avoid unnecessary claims, meet with your adjuster, and make sure the needed repairs or replacement are fully and properly documented.
Most importantly, you don’t pay us until your insurance company pays you.
If you suspect storm damage or are unsure what to do next, contact Team Armour today to schedule your free roof inspection and let us walk you through your roof insurance claim from start to finish.
FAQs About What to Expect When Filing Roof Insurance
When should I call my insurance company about roof damage?
Call Team Armour first to confirm that you have actual storm-related damage. If we find damage, you should file a claim as soon as possible, especially if your policy has deadlines for reporting.
Why should I have my roof inspected before filing a claim?
Filing a claim when there is no damage can negatively affect your premium. A free inspection from Team Armour helps you determine whether a claim is truly necessary and what to expect when filing a roof insurance claim.
Will Team Armour meet with my insurance adjuster?
Yes. We attend the adjuster’s inspection, share storm data, and point out the damage we found so the full scope of necessary work is clearly documented.
What happens if my roof insurance claim is approved?
If your claim is approved, Team Armour will present a contract that outlines the scope of work. In most cases, we’re able to get the insurance company to match our estimate, and we move forward with repairs or replacement once you sign.
Do I have to pay Armour Roofing before my insurance company pays me?
No. You won’t need to pay Team Armour until you receive payment from your insurance company. Your project manager will help you understand the payment process and keep you updated every step of the way.