Roof insurance claim: 7 things that are often overlooked and can cost you money

When you file your roof insurance claim, you may be leaving money on the table. Why? Perhaps you are not considering all the elements that actually make up a roof… and that may be covered by your policy.

These components are often overlooked when filing a roof insurance claim. We’ll tell you how to include them correctly.

What is often overlooked in a roof claim?

Although most people only think about roof tiles, a functional, code-compliant roof includes many other materials and details. These are the most common ones that are overlooked:

1. Waterproof membrane (Ice & Water Shield):

   Essential in areas vulnerable to leaks, such as valleys or roof edges.

2. Starter shingles:

   These are the first tiles to start with; they are essential for the rest to work properly.

3. Hip & Ridge shingles:

   Special tiles for edges and ridges.

4. Flashing (Tapajuntas):

   Protects joints between the roof and other structures (chimneys, walls).

5. Valley liner:

   Refuerzo en las canaletas o valles donde se concentra más agua.

6. Ceiling vents:

   Key elements for air circulation and roof lifespan.

7. Garden cleaning and protection:

   Often necessary due to debris or machinery.

If your claim does not mention them, they will probably not be paid by the insurance company.

Why are these elements omitted?

• Insurance companies often send adjusters with standardized templates that do not always cover all components.
• In many cases, only the “superficial” replacement of the roof is calculated.
• If you or your contractor do not mention or document them, they will not be included in the payment.

What can you do to include them?

• Request a thorough inspection before accepting any estimates.
• Document each part with photos and clear notes.
• Consult with a public adjuster who is familiar with local codes and specific roof coverage.
• Do not sign any agreements with the insurance company until you have all the information.

How does a public adjuster help?

At The Claim Partner, our public adjusters work on your side, not the insurance company’s side. This means that:

• We conduct a comprehensive technical inspection of your roof, including all components.
• We prepare your roof insurance claim with a detailed estimate that supports each part.
• We negotiate directly with the insurance company to include everything that is covered under your policy.
• We help you maximize your compensation and avoid costly omissions.

In addition, if you are a contractor, you can use our Claim Partner app to easily upload photos, track progress, and submit claims.

When should you seek help?

• If your roof was damaged by storms, hail, or wind.
• If you have already filed a claim but feel that you were underpaid.
• If you are going to replace your roof and don’t know how to document it.
• If you need help understanding what your policy covers.

A damaged roof can be just the beginning of the problem. But with the right support, you can ensure that your roof insurance claim includes everything you are entitled to. From technical documentation to negotiating with the insurance company, we are here to help you.

Would you like to know if your claim is complete? Write to us and we will help you review it with no obligation.
If you have not yet filed your claim, schedule an inspection and present a solid case from the outset.