Roof Damage Insurance Claims: A Quick FAQ


Having a roof repair or replacement project after severe weather damage can be a significant expense. As a homeowner, you’d know that having insurance is helpful especially in times like these, since they can help cover part or all the expenses necessary to rebuild your roof. But the process alone is hardly a simple task, and you may be wondering what you need to do first.

Roof Damage Insurance Claims

To these frequently asked questions about roofing insurance claims, here are our answers:

“If a Homeowner Suspects Damage, Who Should They Contact First?”

If you suspect that your roof has sustained damage, the first person you should call is your trusted roofing contractor. While most companies offer free inspections for storm damage claims, you still need to do your research by looking into their customer reviews and select one that has a good reputation in the community. Once this is done, a project manager will schedule a visit to your home and mark up the affected areas of your roof.

“What Does My Roof Insurance Cover?”

You’ll need to contact your insurance provider to know this. Keep in mind that insurance claim processes consider the age of your roof, and this will be investigated and verified by the company’s inspector. So, for instance, if it’s under 10 year old, you may be covered for all the damage, including the work done by your trusted roofing contractor. But if it’s more than a decade old, you may be reimbursed with a depreciated value of the damaged roof.

“Will My Insurance Rates Increase If I File a Claim?”

No, it won’t. Your insurance rates should still stay the same even if you file a claim due to weather related damage. But if an entire neighborhood has been affected by severe weather damage, an insurance company may raise their rates.

As one of the best companies in roof replacement, Bone Dry Roofing can get the job done professionally and efficiently. Call 877-BONE-DRY or fill out our contact form to schedule an appointment.




With free inspections and estimates, simply submit a Free Quote request to get started.

Free Estimates & Inspections

Take advantage of these great offers from Bone Dry! With free inspections and estimates, simply submit the form to get started!


$500 OFF Full Roof Replacement*

For Military Members, Military Veterans, Senior Citizens, First Responders, Teachers and Healthcare Professionals

*Can not be combined with any other offer or prior estimates/projects. Single family residential homes only. Not valid on insurance claims.


10% OFF Any Repair*

*Can not be combined with any other offer or prior estimates and projects. Single family residential homes only. Not valid on insurance claims.

Customers Served


Our team members live and work in the communities we serve, understanding the unique needs faced by the area’s residents. As members of the community ourselves, we are not just service providers; we are neighbors dedicated to improving the comfort, safety, and security of your home.





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We had Bone Dry do masonry, roofing & gutter for us. Everyone we dealt with was professional, polite & on time. We were actually amazed how fast they did the roof & it looked great. Actually everything looked great
Debra B.
The experience of working with all of the folks at Bone Dry Roofing was top notch. Detailed photos and videos were provided for the initial inspection of the roof and then multiple photos were provided throughout the installation. I live in another state and was very well pleased working with them long distance. They made it very easy and stress free. The shingle roof - and all new decking - was replaced in less than 7 hours. Other teams of theirs will be back to replace the b pipe and the gutters next week.
Liz B.
AJ Snow and his crew did a fantastic job. I got pictures and text throughout the project until completion. Will always use Bone Dry Roofing. That are very good and do great work!
Michael D.
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