10 Mar Can I Choose My Own Roofer for an Insurance Claim?

When dealing with roof damage, one of the first questions homeowners ask is: Can I choose my own roofer for an insurance claim? The short answer is yes! However, there are some important factors to consider to ensure your claim is processed smoothly.

Understanding Your Rights as a Homeowner

Most homeowners are not obligated to use a contractor selected by their insurance company. Some insurers may recommend a preferred vendor, but typically you have the legal right to hire the roofing company of your choice.

Why Do Insurance Companies Recommend Roofers?

Insurance companies often have preferred contractors who have agreed to work at pre-negotiated rates. While this can be convenient, these roofers may prioritize cost-saving measures over quality workmanship.

Choosing your own roofer ensures you get:
✅ Quality Workmanship – You can select a reputable contractor with strong reviews.
✅ Better Materials – You have more control over the materials used on your roof.
✅ Personalized Service – You can work with a roofer who prioritizes your needs rather than the insurer’s bottom line.

Steps to Hiring Your Own Roofer for an Insurance Claim

If you decide to hire your own roofing contractor, follow these steps to ensure a smooth process:

1. Review Your Insurance Policy

Carefully read your policy to understand coverage limits, deductibles, and any requirements for contractor selection.

2. Get a Roof Inspection and Estimate

Hire a licensed and insured roofing contractor to inspect your roof and provide a detailed estimate of the repairs needed.

3. File Your Insurance Claim

Depending on what is discovered during your inspection, you may decide you want to file a claim. Contact your insurance company and submit the necessary paperwork, including your roofer’s estimate.

4. Coordinate with Your Insurance Adjuster

Your insurance provider will send an adjuster to assess the damage. Your roofer can meet with the adjuster to ensure all necessary repairs are included in the claim.

5. Review the Insurance Settlement

Once the insurance company approves the claim, compare their payout with your contractor’s estimate to ensure it covers the full scope of repairs.

6. Approve the Work and Get Started

After confirming the details, sign a contract with your chosen roofer and begin repairs.

Avoid These Common Pitfalls

🚫 Using an Unlicensed Contractor – Always verify credentials before hiring a roofer.
🚫 Accepting Lowball Offers – Some insurers may offer less than needed; challenge low estimates if necessary.
🚫 Ignoring the Scope of Work – Ensure all repairs are fully documented in writing.

Final Thoughts

You have the right to select a roofer that meets your expectations and standards. While insurance companies may recommend their own contractors, choosing your own roofer gives you greater control over quality, materials, and service.

By following the proper steps, you can ensure that your insurance claim is processed smoothly while receiving top-notch roofing repairs.

Need Help with a Roof Insurance Claim?

If you’re looking for a trusted roofing company to handle your insurance claim, contact us today or call 855-ROOF-HELP for a free inspection and estimate!