The #1 question after a storm: will my insurance pay for this roof? The answer depends on the cause of damage and your policy type — not the roof's age alone.
What's Typically Covered
- ›Wind damage (lifted shingles, missing tiles)
- ›Hail damage (bruised shingles, cracked tiles)
- ›Falling tree limbs
- ›Sudden storm-related leaks
What's Typically NOT Covered
- ›Wear and tear / aged-out shingles
- ›Lack of maintenance
- ›Pre-existing damage you didn't report
- ›Cosmetic-only damage (some Boise/AZ policies)
Document damage with date-stamped photos within 48 hours of the storm.
ACV vs. RCV — The Critical Difference
Actual Cash Value (ACV) policies pay depreciated value — a 15-year-old roof might net you only 30% of replacement cost. Replacement Cost Value (RCV) pays full new-roof cost minus deductible. Check your policy before you need it.
The Claim Process
- ›Document damage with photos
- ›Call your insurer to open a claim
- ›Get a contractor inspection (we do these free)
- ›Meet the adjuster on-site with your contractor
- ›Receive scope of work + payment
Red Flags to Avoid
- ›Door-knockers offering to 'waive your deductible' (illegal in AZ & ID)
- ›Contractors asking you to sign an AOB before inspection
- ›Anyone telling you to file a claim before they've looked at the roof
Free claim consultation — we'll tell you honestly if it's worth filing.
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