Roof Insurance Claims

Filing an insurance claim for a new roofing project can be a frustrating procedure involving a lot of time and headaches, but it doesn’t need to be. Our team of professionals at Southline Roofing & Exteriors is here to help make your roof installation experience as seamless and as painless as possible, and that includes doing all in our power to make your claim-filing experience as quick and easy as it can be.

Insurance claims

Southline Roofing & Exteriors Assists You Every Step Of The Way

When it’s time for your new roof project to begin, Southline Roofing & Exteriors will help with:


Filing your insurance claim


meeting with your adjuster


walking you through the process of roof replacement

Choose Southline Roofing & Exteriors, and you can get a new roof installed for as low as $1000 when covered under most homeowners’ insurance deductibles.


Insurance Claims

In circumstances of a severe weather event or an “Act of God”, the damage to your home may be covered under your insurance company. They can pay up to 100% of the price of the damage, minus your deductible. 

The dwelling coverage portion of your homeowner’s insurance covers the house structure, including the roof. Types of roof damage covered by your insurance will depend on the policy’s terms and the reasons your roof needs to be repaired or replaced. Typically, a policy covers problems that are sudden or accidental and caused by certain events such as wind or hail. In some cases, the lifespan of the roof is shortened because of damage. Your insurer may cover the cost to replace the entire roof even if it’s only partially damaged. 

We have a team of experts highly trained to help guide you throughout the insurance claim process. Call one of our expert field consultants today to see if you qualify for an insurance claim.

Get A roofing Estimate

Is your home in need of a roofing, siding, or gutter upgrade? Southline Roofing & Exteriors is here to take care of it. Let’s get started!

Your Weatherproof Line of Coverage Starts Here

If your roof, gutters, or siding have been damaged by a storm, or are noticeably decaying as a result of their age, it’s best to be proactive and take action quickly to fix it. When it comes to your most valuable asset- your home- what should be done eventually must be done immediately, so don’t wait; give Southline Roofing & Exteriors a call, and we’ll have the issue fixed in no time. From start to finish, from filing the insurance claim to taking down our ladder when the job is done, our team of professionals is there to make the process as stress-free as possible for you.

ROOF Insurance FAQ

Q: How would I know if I had hail or wind damage if I have no leaks?

A: Oftentimes, the damage is not visible from the ground and would require getting on the roof to spot evidence of impact. Leaks gradually appear, so it is better to be proactive and get an inspection as soon as you suspect you may have sustained damages. 

Q: Will my insurance policy increase if I file a claim?

A: Policy payments are reflected based on zip codes. If your area was impacted severely and there is an increase in claims being filed, then you will see a slight increase in your policy. Essentially, everyone in your area will see these increases.  Filing a claim will not directly impact your policy solely. 

Q: How does the insurance process work?

A: Once a field consultant has determined you have sustained wind or hail damage we will then be able to file a claim for you through your insurance company with the policy number. After the claim has been filed and you have received a claim number, a field adjuster from the insurance company will reach out to schedule an in-person meeting to assess the damages that your home has sustained. Our consultant will make sure to be present during this visit to ensure you receive a fair and just assessment. 

The field adjuster will then take all of his documentation and create a report including all of the photos and proof of the damage and send it to a superior so that they are able to review it. Once reviewed by a superior your claim will either be accepted or denied. If the claim is denied you are under no obligation to have any work performed by us.

In the event you are approved for what is referred to as a total loss, you will receive a scope of loss to be completed. All we ask is that you honor us with the project. Once we have gone over all of your paperwork with you and finalized colors, roofing materials, and any other important information we will then collect your deductible and propose a date on the schedule. 

The first payment, also known as the ACV, will be due upon completion and satisfaction of the work completed. The first payments will be sent via mail and made out to you and your mortgage company. These payments will need to be endorsed by your mortgage company which we are happy to assist with. 

We will then need to apply for the second payment through the insurance carrier by providing them with evidence of the work we completed, including photos, a certificate of completion, and evidence that payments have been made. This last payment, also known as recoverable depreciation, will also need to be endorsed and acts as the final payment from your carrier. In the event there are any supplemental items that were not accounted for we make sure to send in supplemental paperwork to the carrier, we do not ever request any supplemental payouts from the homeowner.

The totality of the process takes approximately three to six weeks to complete entirely, from start to finish.

Contact Southline Roofing & Exteriors

If you’re looking for the best team of professional roofers to provide your home with the best protection from the elements of nature, Southline Roofing & Exteriors would be more than happy to assist you with your next roofing or exterior project. Contact us today for a free estimate!