ROOF INSURANCE · FILING A CLAIM
How to File a Roof Insurance Claim in Utah
A plain-English, step-by-step guide to filing a roof insurance claim after a storm, so you know exactly what to do and in what order.
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Filing a claim, step by step
A roof insurance claim isn’t complicated once you know the order to do things in. The mistakes that cost people are usually about timing and documentation, not the paperwork itself. Here’s the process we walk Utah homeowners through.
One thing first: don’t sign anything or authorize repairs with a company that shows up at your door promising a free roof before you’ve done these steps. More on that at the end.
The steps
How to file your roof claim
Follow these in order and you’ll avoid the most common, costly mistakes.
1. Get the roof inspected first
Before you call your insurer, have a reputable local roofer inspect the roof and confirm you actually have claimable damage. Filing a claim for damage that isn’t there can count against you.
2. Document everything
Photos, dates, and notes on the storm. A good roofer will give you a photo-backed report, which is far stronger than a homeowner’s phone pictures alone.
3. Call your insurance company
Report the damage and open the claim. Write down your claim number and the name of everyone you speak with. Note the filing deadline they give you.
4. Meet the adjuster (with your roofer)
Your insurer sends an adjuster to inspect. Have your roofer there so nothing legitimate gets overlooked. This single step changes a lot of outcomes.
5. Review the scope and payout
The insurer sends a scope of work and an estimate. Have your roofer check it against the actual damage, insurers sometimes miss items or underprice them.
6. Get the work done, then the final payment
Most policies pay in two parts (see below). Your roofer completes the work, documents it, and you submit for the remainder.
Good to know
A couple of things that trip people up
Small details that make a real difference.
ACV vs. RCV payments
Many policies pay the depreciated value first (actual cash value), then release the rest (recoverable depreciation) once the work is done. That’s normal, it’s not the insurer shorting you.
Your deductible still applies
Insurance covers the damage minus your deductible. Be very cautious of anyone offering to ‘waive’ or ‘eat’ your deductible, that’s insurance fraud and it puts you at risk.
Ready to start?
Step one is a real inspection. We’ll tell you honestly whether you have a claim worth filing.
Why homeowners choose us
Straight answers to the worries we hear most
Maybe you’ve been burned before, or you’re worried you will be. Here’s what makes us different.
“My roofer took the deposit and disappeared.”
We hear this one a lot, and it’s part of why Jen started Roofing Utah. We treat every job as a real commitment to your home. That means showing up when we say we will and finishing what we start. And if something needs attention down the road, we’re still here to take the call.
“The leak came back a week later.”
If a repair doesn’t hold, it wasn’t really a repair. So we look for what’s actually causing the leak instead of just covering the spot that’s easiest to reach. We use the right materials and install them properly, so the next rainstorm isn’t a reason to worry.
“I can't tell if I need a repair or a replacement.”
This is one of the most common spots to be stuck in, and it’s where a lot of homeowners get pushed toward the priciest option. We’ll give you an honest read instead. Sometimes a repair is all you need. Other times, replacing the roof is the smarter call over the long run. We’ll tell you which one it is and why.
“Storm chasers keep showing up at my door.”
After a big storm, out-of-town crews show up uninvited, promise a great deal, and ask for money upfront. Some of them you never see again. We’re a local company based in Roy, working across Ogden, Davis County, and the Salt Lake Valley. We were here before the storm and we’ll be here after it, which matters when you need someone to stand behind the work.
“I have no idea if my insurance will cover this.”
Insurance claims are confusing, and most roofers leave you to sort it out on your own. We don’t. We’ll help you document the damage, figure out what your policy actually covers, and handle the paperwork the insurer wants. Whether it was hail, wind, or one of those classic Wasatch Front storms, having someone who knows the claims process makes a real difference.
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FAQs
Questions Utah homeowners ask us
Clear answers, no runaround.
Should I get a roof inspection before filing a claim?
Yes. Confirm you have real, claimable damage first. It saves you from filing a claim that gets denied, which can affect your record and premiums.
How long do I have to file after a storm?
Policies vary, and the window is often shorter than you’d think. File soon after the storm and check your policy for the exact deadline.
Do I have to use the roofer my insurance suggests?
No. You choose your own contractor. Your insurer may recommend one, but the decision is yours, pick a licensed, local roofer you trust.
What if my claim gets denied?
A denial isn’t always the end. A thorough re-inspection, better documentation, or the appraisal process can change the result. We can help you figure out next steps.
Why should a roofer be there for the adjuster visit?
Because a lot of storm and hail damage is easy to miss or dismiss. A roofer who knows what to point out helps make sure the adjuster’s report reflects the real damage.
Areas we serve
Local roofing across northern Utah
Based in Roy and serving communities from Ogden through the Salt Lake Valley. Tap your city for local details.
Weber & Ogden Area
Davis County
Salt Lake & Utah County
MEET THE FOUNDER
Jen Silver
Jen Silver founded Roofing Utah in 2019. By then she’d already spent years in the Utah roofing business, starting out on the phones in inside sales and working her way up to general manager of a local roofing company, where she nearly doubled its annual sales in under two years.
She built Roofing Utah to be a contractor homeowners could count on from the first call to the final walkthrough. Today it’s one of the fastest-growing roofing companies in Utah, and Jen is a founding member of Women-Owned Businesses of Northern Utah.
Ready for a roof you don't have to worry about?
Tell us a little about your roof and we’ll get you a free, no-pressure quote. Prefer to talk? Call us at (385) 799-8824 and you’ll reach a real person.