To file a roof insurance claim in Utah, first document the damage, schedule a professional roof inspection, then contact your insurance provider to begin the claims process. Acting quickly can make the difference between full coverage and a denied claim.
Utah’s mix of hail, snow, wind, and sun can create unpredictable roof damage. This guide walks you through how to handle it—step by step.
Step 1: Inspect and Document the Roof Damage
Right after the storm passes:
- Take clear photos and videos of damage to shingles, gutters, siding, attic, and ceilings
- Look for hail dents, lifted shingles, water stains, or debris on the roof
- Save news articles, weather alerts, or hail reports to document the storm
You’ll need this evidence when you submit your claim.
Step 2: Schedule a Roof Inspection with a Utah Pro
Insurance companies often require a certified roofing inspection to verify damage. At Utah Roof Replacement, we connect you with experienced local roofers who know how to:
- Identify hidden hail or wind damage
- Create a written report with photos
- Recommend whether to repair or replace
- Work directly with insurance adjusters
Important: Don’t attempt major repairs before the inspection unless you need to temporarily tarp the roof to stop leaking.
Step 3: Contact Your Insurance Company
Call your homeowner’s insurance provider and ask to start a roof damage claim. Be ready to provide:
- Your policy number
- Date and cause of the damage
- Basic description of what happened
- The name of your roofing contractor (if you’ve scheduled an inspection)
Ask if the insurer will send an adjuster or accept your roofer’s inspection as documentation.
Step 4: Meet With the Insurance Adjuster (If Applicable)
If your insurance company assigns an adjuster:
- Be present for the inspection
- Have your roofing contractor on-site to walk the roof with the adjuster
- Compare the adjuster’s findings with your contractor’s report
Many claims are denied or underpaid due to missed damage. A local pro can advocate on your behalf.
Step 5: Get Approval and Begin Roof Replacement
Once the claim is approved:
- Review the settlement estimate from your insurance company
- Discuss upgrade options with your contractor (like Class 4 shingles for hail resistance)
- Schedule your roof replacement
Some insurers pay in two installments—one upfront, and one after the work is complete and invoiced.
What Utah Homeowners Should Know
- Hail claims are time-sensitive: Most policies require you to report damage within 6–12 months
- Not all damage is visible from the ground: Hail may bruise shingles without cracking them
- Storm damage is usually covered: As long as it’s not due to neglect or normal wear and tear
- Class 4 impact-resistant shingles may earn you a premium discount in Utah
Don’t Wait to File—Act Quickly, Document Clearly
Filing a roof insurance claim in Utah is a five-step process: document, inspect, contact insurance, meet with the adjuster, and replace your roof. The sooner you start, the better your odds of full coverage.
Need Help Filing a Roof Claim?
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