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.

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 260-267-6189 or fill out our contact form to schedule an appointment.




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

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.


$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.


Free Estimates & Inspections

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

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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Always responsive, on time and complete projects when they say they will.
Tom Morrison
Great experience from start to finish. John was very knowledgeable and the crew was very professional. They kept me updated throughout the process with photos and text messages.
Melanie Erman
I was very pleased with the gutter/ downspout job completed by Pete and his team. The guys were efficient and professional. I highly recommend Bone Dry Roofing.
Jessica Carter
cool guys who are easy to work with and talk to. recommend.
E Ritt.
This company goes above and beyond in my opinion, and the costumer service is superb. I had a leaking roof with a scheduled core cut. One week prior to the scheduled appointment, the roof failed and a..
Karrie Stoner
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