Roofing Repair Insurance Claim Assistance
We Take the Stress Out of Roof Insurance Claims
Filing a roof insurance claim can feel overwhelming, especially after unexpected damage from a storm or wear over time. At Right Now Roofing & Solar, our roofing insurance specialists make the process straightforward and stress-free.
Our experienced team walks you through each step, from the initial inspection and documentation to filing your claim and meeting with adjusters. We understand how the system works and use that knowledge to advocate for the coverage you’re entitled to.
Our goal is to ensure your home is protected with high-quality materials and a professionally restored roof. We work directly with your insurance company to help maximize approval and minimize delays. Using premium materials and expert craftsmanship, we don’t just fix roofs, we restore peace of mind. With Right Now Roofing & Solar, you're not alone in the claims process, we’re here to fight for your home like it’s our own.
Not Sure If Your Roof Damage Qualifies for an Insurance Claim? We Can Help. Get a Free Inspection.
Many homeowners are unsure whether their roof damage is serious enough to qualify for a roof insurance claim. That’s why we offer free, no-obligation roof inspections to assess your roof’s condition and help determine if filing a claim is the right move. If damage is found, we’ll document everything thoroughly to support your case.
Here are some common signs your roof may have claim-worthy damage:
Missing or Damaged Shingles: High winds and hail can tear off or damage shingles, leaving your home vulnerable to leaks. In fact missing shingles account for nearly 50% of roof-related insurance claims.
Leaks & Water Stains: Water intrusion can lead to mold, rot, and costly interior damage. Even a small leak may result in major costly drywall or ceiling repairs if not caught early or left untreated.
Granule Loss: If you notice granules collecting in your gutters, it may indicate shingle deterioration. Excessive granules in gutters indicate shingle deterioration, which weakens the roof’s protection against the elements. According to the National Roofing Contractors Association, storm-related granule loss accelerates wear and shortens the lifespan of asphalt shingles.
Dents & Punctures: Hail and falling debris can cause dents and punctures in shingles, metal roofs, or flashing. Even minor dents or small impact points can lead to moisture infiltration and leaks over time.
Sagging or Warping: A sagging roof can be a sign of significant structural issues caused by prolonged moisture or weakened and failing support systems.
When Should You Call a Roofing Contractor?
If your roof has been hit by a storm, high winds, hail, or falling debris, don’t call your insurance company just yet, call Right Now Roofing & Solar. Acting too soon can cost you time and money if the damage isn't documented properly.
We start by performing a detailed roof inspection using state-of-the-art tools like drones and thermal imaging to uncover even the damage you can’t see. Our team captures clear, professional documentation; photos, reports, and everything you’ll need to back up your claim.
Then, we give you an honest assessment of whether your roof damage qualifies for an insurance claim, potentially saving you from unnecessary out-of-pocket expenses. If it does, we’ll guide you through the next steps. If it doesn’t, we’ll help you avoid filing a claim that could go unpaid. Either way, you’ll know exactly where you stand, no guesswork, no surprises.
Roof Insurance Claim Process
Navigating the roof insurance claim process can be complex, but our step-by-step approach ensures that homeowners receive proper compensation for necessary repairs or replacements.
1. Roof Inspection & Damage Documentation: We conduct a professional assessment, documenting all damage with high-resolution images and a detailed report that aligns with insurance requirements.
2. File a Claim with Your Insurance Provider: Contact your insurance company and submit the necessary documentation. Our team can assist you in correctly filing the claim to prevent delays.
3. Insurance Adjuster Meeting: We coordinate with the insurance adjuster to ensure all damages are accounted for, advocating on your behalf.
4. Claim Approval & Coverage Details: Once approved, your policy will determine coverage based on Actual Cash Value (ACV) or Replacement Cost Value (RCV). Homeowners with RCV policies receive full coverage for replacement costs, while ACV policies factor in depreciation.
5. Roof Repair or Replacement: Our team performs high-quality residential roofing repairs or full replacements using industry-best materials that exceed local building codes.
6. Final Inspection & Documentation: We ensure the work is completed to your satisfaction and assist with final insurance paperwork, ensuring the claim is fully processed.
RCV vs. ACV — What’s the Difference?
Understanding your insurance payout isn’t always straightforward. Here’s a breakdown of what you can expect after a claim is approved:
RCV vs. ACV — What’s the Difference?
RCV (Replacement Cost Value): This is the total cost to replace your roof with a new one of similar kind and quality, without deducting for depreciation.
ACV (Actual Cash Value): This is the depreciated value of your roof at the time of the damage.
You’ll typically receive the ACV upfront ,and the RCV after the work is completed and invoiced.
If your policy is ACV-only, this may be your only payout, meaning you pay the difference out of pocket.
How Do Payouts Work?
Initial Payment (ACV): Once your claim is approved, the insurance company issues the ACV check, the estimated current value of your damaged roof.
Recoverable Depreciation: After you complete the roof replacement and submit a final invoice, the insurance company may issue a second payment to cover the remaining amount up to the RCV.
Deductible: Always subtracted from the total. This is your responsibility.
If You Have a Mortgage on Your Home
Most insurance checks will include your mortgage company as a payee. This means:
You’ll need to endorse the check and send it to your mortgage company.
The mortgage lender may hold the funds in escrow and release them in phases after inspections.
This can delay access to the full payout, so plan ahead and stay in contact with your lender.
Supplements — What Are They?
Frequently, insurance adjusters miss damage or underestimates costs.
This isn’t always due to oversight, sometimes damage isn’t visible until the roof is removed, such as rotted decking, water intrusion beneath shingles, or structural issues.
In these cases, your contractor may file a supplement, which is a formal request for additional funds to cover necessary repairs not included in the original insurance estimate.
If the insurer agrees the repairs are justified and within policy guidelines, they issue an additional payment (a supplement check) to cover the extra costs.
Supplements are common, legitimate, and essential to ensure your roof is fully restored. A skilled contractor will manage this process on your behalf and communicate with your adjuster to help avoid delays or denials.
Average Roof Insurance Payouts: What to Expect
Insurance companies consider factors such as roof age, material, and policy type when determining payout amounts.
Wind Damage ($7,500 avg.): One of the most common claims, wind damage can lead to missing shingles, lifted flashing, and structural weakening. Many policies cover wind-related repairs or replacements if documented properly.
Hail Damage ($11,000 avg.): Hailstorms can cause dents, punctures, and granule loss, accelerating shingle wear. Hail damage roof insurance claims often qualifies for replacement cost coverage (RCV) if reported promptly.
Leaks & Water Damage ($9,500 avg.): Water intrusion can weaken roof decking, lead to mold growth, and compromise insulation. Insurance companies may cover these repairs if the leak resulted from a storm or covered peril rather than regular wear and tear.
Falling Debris ($6,800 avg.): Trees and debris from storms can cause major structural damage. Insurance policies typically cover repairs or full replacements if the damage is extensive.
Fire Damage ($15,000 avg.): Fires can destroy entire roofing systems, often resulting in full roof replacement claims. Insurance providers generally cover fire-related roof damage under standard policies.
How Right Now Roofing & Solar Can Help with Your Insurance Claim
Filing a roof insurance claim can be complex, but having proper documentation and a professional assessment ensures you receive the maximum payout possible. At Right Now Roofing & Solar, we assist homeowners by:
Conducting detailed roof inspections with photo documentation
Working directly with insurance adjusters to ensure all damages are accounted for
Providing expert roof repair and replacement services using high-quality materials
If you suspect storm, wind, hail, or debris damage, don’t wait! Schedule a free roof inspection today, and let our experts guide you through the insurance claim process to protect your home and maximize your benefits.
Understanding Roof Insurance Policies: ACV vs. RCV
When filing a roof insurance claim, understanding your policy type is essential:
Not all roof insurance policies offer the same level of coverage. The type of policy you have, RCV (Replacement Cost Value) or ACV (Actual Cash Value), will directly impact how much money you receive after a claim.
Replacement Cost Value (RCV)
An RCV policy pays the full cost to replace your damaged roof with a new one of similar kind and quality, without subtracting for depreciation.
You typically receive the ACV payment first, which reflects the depreciated value.
Once the work is complete and the invoice is submitted, the insurance company issues a second payment for the recoverable depreciation.
This type of policy gives you the most financial protection after a loss.
Actual Cash Value (ACV)
An ACV policy only pays for the current depreciated value of your roof at the time of the damage.
Older roofs often lose significant value due to age and wear.
The insurance company subtracts depreciation from the total replacement cost, and you are responsible for covering the difference.
ACV policies usually have lower premiums, but higher out-of-pocket costs if your roof needs to be replaced.
Why It Matters
If you're unsure what kind of policy you have, it's worth checking before storm season. A RCV policy can mean thousands to tens of thousands more in coverage if you ever need to file a claim.
Actual Cash Value (ACV) – Your insurance company covers the depreciated value of your roof, meaning older roofs receive less reimbursement.
Replacement Cost Value (RCV) – This policy covers the cost to replace your roof with brand-new materials, without factoring in depreciation, ensuring full restoration.
Most homeowners prefer RCV policies as they provide higher payout amounts and reduce out-of-pocket expenses when dealing with storm damage repairs.
Why Choose Right Now Roofing & Solar for Your Insurance Claim
When your roof is damaged, the last thing you need is confusion, delays, or insurance runaround. At Right Now Roofing & Solar, we make the process simple, stress-free, and fully transparent from start to finish.
Expert Insurance Claim Support
We don’t just repair roofs! Our roofing insurance specialists guide you through the entire insurance claim process for new roof. Our team works directly with your adjuster to streamline your claim, ensure nothing is missed and you get the full value of the repairs need.
Comprehensive Damage Documentation
Our inspections go beyond the surface. Using 23 point inspection process and detailed photo reports, we identify every repairable issue, including hidden damage, so your claim is complete and fully supported.
Industry-Leading Materials & Workmanship
We install premium roofing systems built to last, using top-rated roofing materials and installation methods that exceed local building code and ensure long-term durability and weather resistance. Your new roof won't just pass inspection! It will outperform for years.
Fast Turnarounds, No Cutting Corners
Storm damage can’t wait. Most of our insurance claim projects are completed in just days, not weeks, without sacrificing quality. We handle everything so you can get back to normal life quickly and confidently.
Fully Licensed, Bonded & Insured
Our experienced crews meet the highest standards of professionalism, safety, and compliance. Our team is fully licensed, bonded, and insured, providing peace of mind and quality craftsmanship. You’re protected every step of the way, and so is your home.
Nationwide Strength. Local Expertise. Your Roofing Partner.
We protect homes across multiple states with deep local knowledge and unparalleled craftsmanship.
Oklahoma & Kansas Expertise: Serving Oklahoma City, Tulsa, Broken Arrow, Jenks, Owasso, Sand Springs, and Kansas City with roofs engineered for hail, wind, and heavy snow.
Florida Coastal Specialists: Helping homeowners in Pensacola, Tampa, and Port Charlotte fortify their homes against hurricanes, salt air, and intense sun with premium materials.
The Local Difference: Our consultants live and work in your community. They provide tailored advice based on your area’s architecture, weather patterns, and building codes.
Our commitment is universal: transparent communication, superior workmanship, and a roof you can trust.
Real-Life Customer Stories: Successful Roof Insurance Claims and Fast Approvals
When a recent hailstorm swept through Tulsa, the Johnson family was overwhelmed. They feared a lengthy fight with their insurer for a full roof replacement. By partnering with our team, we handled the entire process from the detailed inspection to meeting the adjuster on-site. Their claim was not only approved for a full replacement without dispute but processed in record time. The Johnsons were thrilled, stating, "We had a check in hand and a new roof scheduled before our neighbors even got their first estimate!" Let us turn your stress into a success story.
Frequently Asked Questions
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If your roof has suffered damage from wind, hail, heavy rain, falling debris, or fire, you may qualify for an insurance claim. Signs of claim-worthy damage include missing shingles, leaks, granule loss, punctures, or sagging areas. A professional roof inspection can help determine whether you should file a claim.
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ACV policies cover the depreciated value of your roof, meaning you’ll receive a payout based on its current worth, not its original cost.
RCV policies pay for the full replacement cost, covering new materials without factoring in depreciation. Most homeowners prefer RCV coverage to reduce out-of-pocket costs for roof replacement.
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Most insurance providers require claims to be filed within 6 to 12 months after the damage occurs. However, timelines vary by provider. It’s best to file your claim as soon as possible after a storm to avoid claim denials. Right Now Roofing & Solar can assist with fast damage assessments and claim documentation.
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Filing a claim for storm or weather-related damage typically won’t increase your rates since these are classified as Acts of Nature. However, if you file multiple claims within a short period, your provider may adjust your policy or increase premiums.
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Insurance claims can be denied for various reasons, including pre-existing roof conditions, lack of maintenance, or improper documentation. If your claim is denied, we can:
Review your denial letter and help appeal the decision.
Provide additional inspection reports and damage documentation.
Assist in re-negotiating with your insurance provider.
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Yes! While some insurance companies recommend contractors, you have the right to choose a trusted, licensed roofer.Right Now Roofing & Solar works directly with insurance companies to ensure quality repairs and proper claim handling.
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If your policy includes a deductible, depreciation, or coverage limits, your payout may not cover the entire cost. We offer flexible financing options to help cover any gaps so you can get your roof restored without financial strain.
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Yes! A professional roof inspection ensures you have accurate damage documentation before filing a claim. Submitting an incomplete or inaccurate claim could result in delays or denial by the insurance provider.
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The timeline depends on your insurance company and the extent of the damage. On average:
Inspection & Filing: 1-2 days
Adjuster Inspection: 5-10 days
Claim Approval & Processing: 2-4 weeks
Roof Repairs or Replacement: 1-3 days after approval
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Most policies do not cover damage caused by:
Wear and tear or old age
Neglect or lack of maintenance
Improper installation
Pre-existing issues If your damage is not covered, we provide roof repair solutions and preventative maintenance plans to help protect your home.
UNMATCHED QUALITY. UNRIVALED SERVICE. ALWAYS.
