Navigating Roof Insurance Claims with RHR Roofing Co.

Dealing with roof damage after a major storm can be overwhelming. If you’re not familiar with the insurance claim process, it’s easy to feel lost or anxious about what comes next.


At RHR Roofing Co., we’ve worked with homeowners for years to guide them through insurance claims from start to finish.

We believe in transparency, education, and being a trusted partner during what can be a stressful time.

Below Are 7 Key Things Every Homeowner Should Know About Filing A Roof Insurance Claim:

Storm Damage Often Attracts Untrustworthy Roofers

Unfortunately, storms can bring out bad actors in the roofing industry. Some companies offer deals that seem too good to be true—because they are. These offers often result in poor workmanship and materials. At RHR Roofing Co., we urge you to be cautious. Work only with trusted, local professionals who have your best interest at heart.

Paying Your Deductible Is Required by Law

If your insurance claim is approved, your deductible is your responsibility. Companies that claim they can “cover” your deductible are violating the law—and putting you at risk for insurance fraud. At RHR Roofing Co., we follow all legal and ethical guidelines to protect you and your home.

Your Insurance Policy Dictates Coverage

Before filing a claim, it’s important to review your homeowners insurance policy. Most fall into one of two categories:

  • Actual Cash Value (ACV): Only pays the depreciated value of your roof. You may end up paying the difference out of pocket.
  • Replacement Cost Value (RCV): Covers the cost to replace your roof with a new version of what you had. You’ll receive two payments—one up front and another after the work is completed.

Don’t Sign Anything Too Soon

Be wary of roofing companies pressuring you to sign contracts before your claim is approved. Some use this tactic to lock you in. A reputable contractor like RHR Roofing Co. will inspect your roof, give you honest feedback, and walk with you step-by-step—without pressure.

The Insurance Adjuster Makes the Final Call

Even if we identify storm damage, your insurance adjuster has the final say in claim approval. While we can advocate on your behalf and provide documentation, only the adjuster can approve the claim. If your claim is denied and you disagree, we can help you explore your options through other avenues.

Work With a Roofing Contractor Who Understands Insurance

Once your claim is approved, choose a roofer experienced with insurance work. At RHR Roofing Co., we understand how to read insurance scopes, communicate with adjusters, and ensure the work complies with your policy. Since the price is pre-set by insurance, you don’t need multiple quotes—just a trusted, experienced team with exceptional customer service.

Most Insurance Estimates Require Supplements

Initial estimates from insurance companies often miss key items—local code upgrades, labor costs, or disposal fees. At RHR Roofing Co., we’re skilled in supplementing claims to make sure everything needed for a high-quality job is covered and you get everything you are owed. Our process helps maximize your coverage so you’re not left paying for things that should’ve been included.