When NOT to File A Roof Insurance Claim

Roof Insurance Claim

At Sol Vista Roofing, we have become used to performing roof replacements that are part of a storm damage insurance claim. When we inspect your roof, we know what type of storm damage to look for that can reduce your roof’s lifespan. If your roof is storm damaged from hail or wind, we can share those findings and photos with you to let you decide whether to file a roof insurance claim.

Roof Insurance Claim – When NOT to File

Sometimes it is clear that a roof needs to be replaced. Other times, however, there may be evidence of storm damage that minor Denver roof repairs can handle instead of needing your insurance company to pay for a full roof replacement. Some Denver roofing companies will suggest full roof replacements with any sign of storm damage because it gives them more work to do for a higher price. That is not always in the best interest of the homeowner, however.

For example, we recently worked with a Denver homeowner that had wind damage to two slopes on their home’s roof. The roof was about seven years old and, other than the isolated wind damage, was in good shape with 5+ more years of expected life. We advised the customer that we could repair the damaged area for a much lower cost than his insurance deductible, which he chose to do instead of filing an insurance claim.

Denver Roof Repair
Before and After – wind damage repair that did NOT require a full roof replacement

Our Denver roof repair team completed the repairs in just a couple hours with minimal disruption to the customer’s day. The result is a sturdy, watertight roof in as good of shape as it was before the windstorm blew some of the shingles off. The homeowner did not have to go through the insurance claim process and did not have to pay his deductible, and instead only paid for the minor repairs.

Whether you think you need a full Denver roof replacement, a minor leak repair, or just want a professional to inspect your roof, we will always give an honest assessment. If it is not in your best interest to file a roof replacement insurance claim, we will not suggest that path.

Our team is ready when you need us, contact us to get started.