Navigating Your Roof Insurance Claim in Boise: A Homeowner’s Guide

Step 1: Prioritize Safety and Document the Damage

After a major storm, your first priority is safety. Before you inspect your roof, check for downed power lines or other immediate hazards. Once it’s safe, thoroughly document any visible damage from the ground. Take clear photos and videos of:

• Missing, cracked, or bruised asphalt shingles
• Dents on gutters, vents, or flashing
• Excessive shingle granules in your downspouts
• Any signs of water leaks or stains on your ceilings indoors

Note the date and time of the storm. This initial evidence is crucial for your claim. If you notice active leaks or severe damage that could worsen, you may need an emergency roof repair, like tarping, to prevent further interior damage.

Step 2: Review Your Insurance Policy

Before contacting your insurance company, take a moment to understand your policy. Look for key details like your deductible (the amount you pay out of pocket), your coverage limits, and what types of damage (or “perils”) are covered. Some policies differentiate between wind and hail damage, while others have specific requirements for filing. Understanding your policy empowers you for conversations with your provider.

Step 3: Call a Professional Boise Roofing Contractor

This is a critical step. A reputable, local roofing contractor can provide a comprehensive, professional inspection. An expert can identify damage that is invisible from the ground and provide an accurate, detailed estimate for the necessary repairs. This third-party assessment from a company like Silverlining Roofing & Exteriors serves as a vital benchmark when the insurance adjuster conducts their own inspection. A professional estimate helps ensure you are asking for the correct amount to fully restore your roof. Learn more about our expert roof repair services.

Step 4: File Your Insurance Claim

With your documentation and professional estimate in hand, it’s time to contact your insurance company to officially file the claim. Have your policy number ready and provide all the information you’ve gathered. They will assign you a claim number and an insurance adjuster who will manage your case.

Step 5: Schedule and Attend the Adjuster’s Inspection

The insurance adjuster will schedule a time to visit your property and assess the damage. It is highly recommended to have your chosen roofing contractor present during this inspection. Your roofer can point out specific areas of damage the adjuster might overlook and ensure the scope of work is accurately captured. They act as your advocate, speaking the same technical language as the adjuster to represent your best interests.

Step 6: Review the Adjuster’s Report and Settle the Claim

After the inspection, you will receive a report from the adjuster detailing the covered damages and the settlement amount. This report often includes terms like Replacement Cost Value (RCV) and Actual Cash Value (ACV). Typically, you’ll receive an initial check for the ACV. The remaining amount (depreciation) is released after the roof replacement or repair is completed and you submit the final invoice. Carefully review the report with your roofer to ensure nothing was missed before you begin the work.

How long do I have to file a roofing claim in Idaho?

While policies vary, most insurance companies require claims to be filed within one to two years from the date of the storm. However, it is always best to file as soon as possible to prevent further damage and simplify the claims process.

Will my insurance premiums increase if I file a roof damage claim?

Generally, claims filed due to natural events like wind or hailstorms (often called “Acts of God”) do not result in a direct premium increase for the individual homeowner. However, if a widespread event causes many claims in an area, the insurer may raise rates for the entire region.

What if my insurance claim is denied?

If your claim is denied, you have the right to appeal the decision. Start by asking for a written explanation for the denial. An experienced roofing contractor can help you review the adjuster’s findings, provide additional evidence of damage, and request a second inspection with a different adjuster.

What’s the difference between RCV and ACV?

ACV (Actual Cash Value) is the value of your roof today, factoring in its age and wear (depreciation). RCV (Replacement Cost Value) is the total cost to replace your roof with new, similar materials at current market prices. Most policies pay the ACV first, then release the remaining funds (depreciation) after you provide proof that the repairs have been completed.