Roof damage? The right words can mean the difference between a smooth claim and a denied one. Here’s the exact language to use to get your claim approved.
Filing an insurance claim for roof damage can feel like a battle—but it doesn’t have to be. Insurance companies listen for specific phrases that trigger approval. Say the wrong thing, and your claim gets delayed or denied. Say the right thing, and you fast-track your repair.
1. Start with “Storm Damage” – Not “Old Roof”
Insurance covers sudden, accidental damage—not wear and tear. Use these exact phrases:
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“My roof was damaged in the recent storm.”
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“High winds caused missing shingles.”
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“Hail left visible dents on my roof.”
Avoid: “My roof is old and leaking.” (This implies neglect, not an insurable event.)
2. Document Everything with “Visible Evidence”
Adjusters need proof—so describe damage clearly:
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“Here are time-stamped photos showing hail impacts.”
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“You can see water stains on my ceiling from the leak.”
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“Neighbors have filed claims for the same storm.”
Pro Tip: Use your phone to take close-ups of dents, cracks, or missing materials.
3. Use “Safety Hazard” for Urgent Repairs
If your roof is unsafe, insurers must act fast:
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“Exposed areas are letting water inside, risking mold.”
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“Loose shingles could fly off in the next storm.”
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“I’m concerned about structural damage.”
Why it works: Insurance prioritizes immediate dangers.
4. Push for “Full Replacement” When Needed
If repairs aren’t enough, say:
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“The damage exceeds the 25% threshold per Texas code.”
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“Matching materials isn’t possible without a full replacement.”
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“Partial repairs won’t restore my roof’s integrity.”
Key Fact: Many policies cover full replacement if damage is widespread.
5. End with “Next Steps” – Don’t Wait on Them
Close strong by controlling the timeline:
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“When can I expect the adjuster’s inspection?”
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“What’s the deadline for submitting contractor estimates?”
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“I’d like a copy of the claim report for my records.”
Final Move: Get everything in writing—emails, claim numbers, and adjuster notes.
Need a Pro to Help with Your Claim?
Hart Roofing knows the insurance game. We’ll:
✔ Document damage the right way
✔ Handle adjuster meetings for you
✔ Fight for full coverage
Call us today for a FREE claim review. Don’t let insurance companies lowball your roof’s value—we make sure you get what you deserve.
Phone : 713-281-2886 | Mail : info@hartroofingtx.com
