How Roofers Can Assist with Your Insurance Claim Process

Dmytro Morokhovets
Jun 19
3 min read

Getting the Coverage You Deserve Starts with the Right Help

Filing a roofing insurance claim after storm damage or unexpected leaks can feel overwhelming. Between inspections, paperwork, adjuster visits, and policy fine print, it’s easy for homeowners in Santa Monica, CA to get lost in the process. That’s where a skilled roofing contractor can make all the difference. At Economy Roofing, we help guide homeowners through each step of the insurance process, ensuring that damage is fully documented and claims are filed accurately.

When disaster strikes, your roofer can be your best advocate—protecting not just your home, but your financial interests as well.

Step 1: Identifying and Documenting the Damage

A Thorough Roof Inspection Is Critical

Before you contact your insurance provider, your first call should be to a licensed roofing contractor. They’ll perform a detailed inspection to determine the extent of the damage and differentiate between storm-related issues and wear-and-tear.

This inspection often includes:

Photo documentation of impacted areas
Measurements and material assessments
Moisture and leak tracing

By presenting clear, professional documentation, roofers make it easier for you to submit a compelling and complete claim.

Step 2: Navigating the Claim Filing Process

Help with Paperwork and Adjuster Coordination

An experienced roofer understands insurance language and can guide you through the filing process. They help ensure that key terminology, scope of work, and material details are accurate and match what’s needed for your specific claim.

Roofers may also:

Meet with the insurance adjuster on-site
Compare their inspection with the adjuster’s findings
Clarify discrepancies and fight for adequate coverage

This support is particularly useful if the initial offer from your insurer seems lower than expected or doesn’t account for all the required repairs.

Step 3: Ensuring Code Compliance and Full Restoration

More Than Just Patching Up the Damage

Insurance companies typically cover restoring the home to its “pre-loss condition.” But in many cases, new building codes require upgraded ventilation, flashing, or underlayment. Your roofer can include these essential items in the estimate—ensuring your claim reflects a full code-compliant restoration.

By working with manufacturers like Owens Corning and Malarkey, roofing professionals stay up-to-date on compatible systems and warranty-backed installation techniques, giving you added assurance that the repairs will be long-lasting and approved by both insurer and building inspector.

Step 4: Helping Maximize Your Insurance Benefits

Avoiding Out-of-Pocket Surprises

Without the right guidance, homeowners may unknowingly accept less than what they’re entitled to. A trusted contractor helps make sure no part of the restoration is overlooked. That might include:

Replacing damaged decking or insulation
Updating ventilation systems
Addressing hidden moisture damage

By presenting a complete and accurate scope of work, your roofer ensures the insurer covers what’s truly needed—not just the visible damage.

Step 5: Delivering the Repairs with Quality and Integrity

Trust and Transparency in Every Nail

Once your claim is approved, the final step is restoring your roof with care and attention to detail. At Economy Roofing, our team uses high-quality materials and proven techniques to rebuild your roof to a higher standard. We make sure that homeowners across Santa Monica, CA not only get reimbursed—but receive a stronger, more resilient roof in the process.

Plus, working with a reputable roofer can help avoid delays in funding, as insurers often rely on contractor-provided invoices, schedules, and documentation to release final payments.

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