What Documentation Is Needed For A Roof Replacement Claim

If your roof has been damaged by a storm, filing an insurance claim might feel like a no-brainer. But the truth is, getting that claim approved—and covered fairly—comes down to your documentation. Without the right paperwork, photos, and professional support, your claim could be delayed, underpaid, or denied altogether.

At The Roof Resource, we don’t just help you get a new roof for up to 50% less—we also guide you through the claim process with the precise documentation your insurer expects. Whether you’re dealing with hail, wind, or fallen trees, we make sure you’re covered from inspection to installation.

Let’s break down the documentation you need for a successful roof replacement claim—and how we help you get it right the first time.

1. Initial Damage Photos

As soon as it’s safe after a storm, take photos of any visible damage to your property. These will serve as your first layer of evidence.

What to Capture:

Shingles on the ground
Dents in gutters, downspouts, or siding
Tree limbs or debris on the roof
Water stains on ceilings or attic insulation
Hailstones (if still visible) with a common object for size reference

💡 Tip: Time-stamped photos are best. Take wide shots and close-ups from multiple angles.

2. A Professional Roof Inspection Report

This is critical. Your insurance provider won’t just take your word for it—they want proof from a licensed roofing contractor.

At The Roof Resource, we conduct full inspections and provide a clear, detailed report that includes:

✅ Summary of findings
✅ Type and extent of damage
✅ Estimated age and current condition of the roof
✅ Assessment of whether the damage is storm-related
✅ Recommendations (repair vs. full replacement)

This documentation strengthens your claim and helps validate that the damage is both legitimate and claim-worthy.

3. A Written Estimate for the Replacement

Your insurance adjuster will use your roofer’s estimate to determine the payout. But many traditional roofing companies inflate their pricing or bury costs in unclear line items.

At The Roof Resource, we provide:

💸 A flat-fee estimate with no surprises
📄 A breakdown of materials, labor, and timeline
🛠️ A scope of work aligned with insurance expectations

This transparency not only speeds up claim approval but also helps you keep more of your settlement money.

4. Insurance Policy Details

You’ll want to review your own policy to understand what’s covered and what isn’t. Your documentation should align with the language of your coverage.

Helpful Policy Info to Reference:

Your deductible amount
Whether you have RCV (Replacement Cost Value) or ACV (Actual Cash Value)
Coverage for code upgrades (Ordinance & Law)
Any exclusions for roof age or specific materials

If you’re unsure what your policy covers, our team can help you interpret the fine print so you’re not caught off guard.

5. Adjuster Inspection Notes

Once your insurance company sends an adjuster, keep a copy of their findings. Their report becomes a major part of your claim record—and should align with the damage we document.

If discrepancies arise (they missed something, for example), we’ll:

📌 Compare our inspection to theirs
📞 Help you request a re-inspection or supplemental claim
🤝 Be on-site during adjuster visits, when requested

6. Final Invoice & Proof of Completion

Once the work is done, your insurer will need documentation confirming the job was completed as quoted. We handle this for you with:

🧾 Final invoice
📸 Post-installation photos
🧰 Warranty info for materials and workmanship
🗂️ Completion certificate (if required by your insurer)

This ensures you receive final payment if your claim includes recoverable depreciation.

Why Work with The Roof Resource?

When you’re filing a roof claim, every piece of documentation matters. And with us, you get top-tier support without the high-end markup.

What Makes Us Different:

🛠️ Licensed & insured professionals
📄 Full inspection + claim-ready documentation
💰 Flat-fee pricing—save up to 50% vs. traditional roofers
🏠 High-quality materials + experienced crews
🧭 We guide you through every step of the claim

You focus on getting back to normal—we’ll handle the paperwork and the roof.

Final Thoughts: The Paper Trail That Pays Off

Insurance companies are data-driven. The more detailed and organized your documentation, the better your chances of a full, fast payout.

The Roof Resource is here to make sure no detail is missed—from first photo to final invoice. And with our flat-fee pricing model, you don’t just get a new roof—you get real value, real savings, and real peace of mind.

📞 Need help filing a claim or getting documentation in order? Contact The Roof Resource today for an inspection and a flat-fee estimate that keeps your costs down and your coverage on track.