How To Negotiate Roof Replacement With Insurance


Roof replacement can be a major expense, especially if it’s not covered by your insurance. If your home has suffered damage due to a storm or other natural disaster, you may be able to file a claim with your insurance company to cover the cost of a new roof. However, negotiating with your insurance company can be a daunting task. In this article, we’ll provide some tips on how to negotiate roof replacement with insurance.

Understand Your Insurance Policy

Before you begin negotiating with your insurance company, it’s important to understand your insurance policy. Review your policy to see what is covered and what is not. Make sure you understand your deductible and any other costs you may be responsible for.

Get Multiple Quotes

It’s important to get multiple quotes for the cost of the roof replacement. This will give you an idea of what the fair market value is for the work that needs to be done. It will also help you negotiate with your insurance company if they try to lowball you on their estimate.

Document the Damage

Take pictures of the damage to your roof and any other areas of your home that were affected. This will help you make a stronger case to your insurance company. Make sure to document the date of the damage as well.

File Your Claim Promptly

File your claim with your insurance company as soon as possible. Delaying filing your claim can result in your claim being denied or delayed. Make sure to provide all the necessary documentation and information to support your claim.

Be Persistent

Negotiating with your insurance company can be a time-consuming process. You may have to follow up multiple times to get a response or a resolution to your claim. Be persistent and don’t give up.

Consider Hiring a Public Adjuster

If you’re having trouble negotiating with your insurance company, consider hiring a public adjuster. A public adjuster is an independent insurance professional who can help you navigate the claims process and negotiate with your insurance company on your behalf.

Be Prepared to Compromise

You may not get everything you want in your negotiations with your insurance company. Be prepared to compromise on some aspects of the claim, such as the type of roofing materials used or the timeline for the work to be completed.


Negotiating roof replacement with insurance can be a challenging process, but by understanding your policy, getting multiple quotes, documenting the damage, filing your claim promptly, being persistent, considering hiring a public adjuster, and being prepared to compromise, you can increase your chances of getting a fair settlement from your insurance company.