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9554 Old Keene Mill Road Suite A, Burke, VA 22015
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Adelphia Exteriors

Adelphia Exteriors

Northern VA Roofing, Siding & Window Contractors

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How To Get Insurance To Pay For Your Roof Replacement

March 8, 2021

Getting your insurance provider to cover the cost of a roof replacement can be tricky, regardless of whether you are entitled to a roof replacement according to your coverage. This review helps you understand how the process works and what steps you should take to ensure the process goes smoothly and at a minimal cost to you, the homeowner.

Getting Insurance To Cover Your Roof Replacement Cost

close up pf roofing that was jut redone with insurance moneyEvery roof replacement is a unique situation. Your experience submitting a claim for a roof replacement after serious damage occurs may look different. However, there are certain steps you can expect throughout the insurance claim process and important actions you must take to ensure your insurance provider covers the costs they are obligated to cover.

Most notably, the steps include learning more about your insurance coverage, documenting the damage to your roof, submitting an insurance claim and hiring an experienced roofing contractor to perform the roof replacement.

Understand Your Coverage

Your homeowner’s insurance policy should specify what is covered and what is not. There should be two types of coverage — repair coverage and replacement coverage. If you notice damage to your roof, then you can begin the process by examining your insurance policy to determine if your roof should be covered.

Not all types of roof damage are covered by insurance providers, so determining which costs you may be liable for based on the policy you have is a great first step.

Document The Damage

Roofing contractor removing the old shingles from a roof that insurance paid forThe next step is to document the damage to your roof. This allows you to show the insurance company precisely what the issue is. You will need a reliable camera for this. Taking pictures also likely requires climbing onto your roof. Be sure to use a reliable ladder and have someone help you with this step to ensure optimal safety.

While you may be able to document the damage yourself, the best way to ensure you have the documentation you need to have your roof replacement covered by the insurance company is to hire a roofing professional. They can conduct a roof inspection and make a professional assessment as to whether or not roof replacement (or roof repair) is necessary.

Submit An Insurance Claim

After you reviewed your insurance coverage and ordered a professional inspection from a reputable roofing company, you can then submit an insurance claim. It can take up to two weeks for the insurance company to review your claim and make a coverage determination.

Once they approve the insurance claim you can start working with the contractor of your choice, assuming they are licensed and approved by your insurance provider.

Hire An Experienced Roof Replacement Contractor

Scammers sometimes target homeowners whose roof was damaged by bad weather, making them promises of a free roof and other promises that they cannot deliver upon. It is important to avoid these scams and only work with a roofing company that has experience with insurance claims. This helps ensure you do not have work done on your roof that is not covered by your insurance provider. Additionally, it is important to choose a roof replacement company who offers a workmanship warranty.

Follow The Claims Process Closely

Insurance companies sometimes look for ways to avoid paying for roof replacements. Even for honest and trustworthy insurance companies, it is essential to follow the claims process closely to ensure they cover the cost of the roof replacement.

This also reduces the risk of setbacks in the process and ensures you get the roof repair or replacement finished in a timely manner. Therefore, be sure to closely review all requirements that you must follow and ask your insurance provider or roofing contractor for clarity if there is any ambiguity that arises along the way.

Tips For Choosing The Right Roofing Company

Close up view on asphalt shingles on a roof with hammer, nails and stationery knife.As discussed, choosing a reputable roofing contractor is essential to ensuring your insurance provider pays for your roof replacement. However, it is also important to choose the right roofing contractor to ensure the quality of your roof and minimize the costs that you are responsible for.

Additional tips to help you choose the right roofing contractor for your roof replacement include:

  • Check insurance and licensing
  • Look at reviews of previous work
  • Discuss the timeline for the replacement
  • Ask about their experience with similar projects
  • Discuss material choices

Most roofing companies offer multiple types of roof material. Determining the right material for your roof is also important after you verify that the company is trustworthy and accepted by your insurance provider.

Hire A Reputable Roofing Contractor At Adelphia Exteriors

Do you have severe roof damage? If so, then contact our Northern Virginia roofing contractors at Adelphia Exteriors to schedule a roof inspection. We have experience working with home insurance companies to ensure you get the coverage that you are entitled to receive. You can reach us by message or give us a call at (703) 386-7357 to get the roof replacement process started.

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9554 Old Keene Mill Road
Suite A
Burke, VA 22015
M-F, 9:00 am to 6:00 pm
License #: VA2705137588
(703) 386-7357

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Google Rating
4.8
Adelphia Exteriors
Adelphia Exteriors
4.8
Based on 140 reviews
Frankie Mcdaniel
Frankie Mcdaniel
17:49 17 Mar 21
We hired Adelphi Exteriors to replace our roof, siding, and gutters for our house and could not be happier with their... great work. They were very professional, thorough and the work was done in a timely manner. They are a family owned business that we found though a friend who has used them multiple times. I would highly recommend them. We are also planing to use them to replace our windows in the future.UPDATE!!! Our windows have now been replaced and I am still just as happy with their service. I have also requested a quote for painting in the future.read more
Charles Ide
Charles Ide
15:23 17 Mar 21
This company is great! I had quotes by three different companies to replace windows, paint our brick, install new... siding, install new doors, install new gutters/down spouts, plus add new insulation! Adelphia was the only company I contacted for an estimate that would take care of all my needs with one contract. This is a family owned company that has been extremely responsive throughout the entire process. Our initial appointment was with George, who wrote the estimate, the contract, and was our main point of contact; Vickie (mom) runs the office and frequently coordinated with me by phone; and Nick (dad) founded the business in the 1980s and oversaw the painting. The painting is second to none. multiple coats with the highest quality materials looks beautiful! Next came the exterior siding. We wanted to replace our original siding and decided to change it to vinyl shake! You can see the results in the before and after photos. We are thrilled with the results! The replacement doors and windows were installed efficiently and are so beautiful. We selected Adelphia based on their competitive pricing and excellent reviews on Angie's List and Yelp. George worked with us at every step along the way to make sure we were satisfied. The contractors that Adelphia use are careful, professional, punctual, and do excellent work! The original contract included a thank you note by George that said they were determined to exceed our expectations, well, they delivered! I highly recommend Adelphia Exteriors for their value, workmanship, and personal attentiveness.read more
Denise Kidd
Denise Kidd
23:36 12 Jan 21
They were wonderful. Prior to signing up with them, we met with multiple other companies who tried to hard sell us into... signing the same day to receive a discount. When George walked into my house I immediately told him we would not be signing on day one, and he laughed and said no problem! He was so agreeable and so easy to work with and the fact that he comes from a family business, I just had a good feeling about them. Not once did he try to hard sell us and pressure us to close, he gave us plenty of time to ask lots of questions and visit a show room in order for us to make our decision. They just finished installing some amazing windows, approximately 25, and a brand new front door. We are absolutely thrilled with the product and the quality of their installation and cleanup. They are a good company to work with! And I would not hesitate to use them again!read more
Bhakti Modha
Bhakti Modha
18:04 28 Oct 20
Had a great experience with Adelphia exterior who replaced the attic insulation and air sealing for my home. Rob was... awesome, very thorough & professional. Highly recommend Adelphia Exterior for anyone looking to get their insulation done!read more
Cynthia Segura
Cynthia Segura
21:03 27 Oct 20
We hired Adelphia Exteriors for our Exterior Painting Project and we are very happy with the finished product. Rob... provided the estimate within one business day. Viki promptly and kindly helped us to schedule the start date after our project was delayed because of weather. Nick visited the job site to make sure all the exterior colors accurately matched the existing colors. Nick made sure all the areas that required maintenance painting were carefully addressed. He even replaced our house numbers which was a way better option than painting them. He also meticulously worked with Diego to reinstall two shutters that were already partially detached. Diego and his painting team did an amazing job painting all our exterior brick, porch, garage frame and metal light fixtures. They were very detailed in their painting services and professional. Again, we are very pleased with the results.read more
Christopher Capannola
Christopher Capannola
00:33 19 Oct 20
From our initial consultation with Rob until the job was completed, our experience with Adelphia Exteriors was great! ... Rob was very easy to talk to, made sure we understood all our options and answered all our questions. There was absolutely ZERO pressure and no attempt to upsell us on anything. The install of our 19 windows was done in one day, the crew was on time and did a great job. We couldn't be happier with the windows and would recommend Adelphia without hesitation.read more
David Burns
David Burns
14:51 09 Oct 20
I contracted Adelphia to paint my living room, dining room and a hallway. The two tradesmen arrived exactly on time on... the first day and prepared the areas. They filled holes, repaired a long crack on the ceiling and two on one of the walls then painted the ceiling. They came back on time the next day to add a second coat of paint on the ceilings and the paint the walls and trim. The painters were courteous, polite and worked hard with just a short lunch break both days. Their clean up was excellent and the job was outstanding. This is the second time and in both instances my wife and I were very pleased. I would not hesitate in recommending them.read more
Frank Muth
Frank Muth
20:58 25 Aug 20
Wow wow wow! This is a great company. Had the entire inside of the house painted, shutters painted and front door... replaced. Nick and George were incredible. Vicki rocked all the coordinations and the crews were professional very courteous and did fantastic work. I will use them again for our next project.read more
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