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Why you should call a roofer before your insurance company?

Discovering damage to your roof can be a stressful experience for any homeowner. Whether it’s the result of severe weather, age-related wear and tear, or any other issue, your first instinct might be to contact your insurance company. However, there are compelling reasons why you should consider calling a roofer before your insurance company. In this article, we’ll explore the advantages of consulting a roofing professional first.

  1. Assessment of the Situation

Roofers are experts when it comes to roofing systems. When you contact a roofer, they can promptly assess the extent of the damage. This initial assessment is crucial for determining the scope of the repairs needed. In some cases, the damage may be minor and can be easily fixed without the need to involve your insurance company. By calling a roofer first, you can avoid filing a potentially unnecessary claim.

  1. Prevent Insurance Premium Increases

Every time you file a claim with your insurance company, there’s a chance your premiums may increase. If the damage to your roof is minor and can be repaired without insurance involvement, you can avoid the risk of premium hikes. Roofers can provide cost-effective solutions that save you money in the long run.

  1. Expert Advice on Repair Options

Roofers are experienced professionals who can offer expert advice on the most suitable repair options for your specific situation. They can provide recommendations based on the type of roofing material, the extent of the damage, and your budget. This personalized guidance can help you make informed decisions about whether to repair or replace your roof.

  1. Detailed Documentation

If roof repairs or replacement are necessary, roofers can provide you with detailed documentation of the damage, repair process, and associated costs. This documentation can be valuable when you do need to involve your insurance company. It ensures that you have a clear record of the damage and the steps taken to address it, making the claims process smoother and more transparent.

  1. Timely Repairs

Roofers can often begin repairs more quickly than insurance companies can process claims. If your roof has sustained damage that needs immediate attention, such as a leak after a storm, a roofer can provide a timely response to prevent further damage to your home. This rapid action can help protect your property and belongings.

  1. Avoid Claim Denials

Sometimes, insurance claims are denied due to various reasons, including insufficient evidence of the damage or the belief that the damage is not covered by your policy. By consulting a roofer first, you can get a professional opinion on whether the damage is eligible for insurance coverage. Roofers can help you navigate the claims process and provide the necessary information to support your claim.


While your insurance company is an essential resource for protecting your home, it’s not always necessary to contact them immediately after discovering roof damage. Consulting a roofer first can provide numerous advantages, from a quick assessment of the damage to expert advice on repair options. By taking this proactive step, you can save money, prevent unnecessary premium increases, and ensure that your roof receives the appropriate care it needs. Remember, a roofer’s expertise can be invaluable in safeguarding your home and making the right decisions for your roofing needs.

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