Annapolis Roof Insurance Claims

We Work with Insurance Companies to Get You Every Penny You're Owed

Roof claims can be complicated and confusing, and sometimes insurance companies claim your roof damage isn’t covered by insurance. Your roofing contractor should navigate the perils of your roof claim so you don’t have to. In the end, we’ll get the compensation you deserve and make the process easier than anyone else.

Steps to Follow for a Homeowners Insurance Roof Work

If you suspect your roof is eligible for repairs or roof replacement covered by insurance, here’s what you need to do:

File a Claim
No matter what anyone tells you, the first thing you need to do is file a claim with your insurance company.
Get an Inspection
After you’ve filed a claim, your insurance company will likely order an inspection . This is how they determine the extent of the damage and whether or not the roof needs to be replaced. In most cases, insurance companies will let you choose your own roofing contractor. We have extensive experience dealing with homeowners insurance roof replacement and can guide you through this process.
Wait Until Your Claim is Approved
If you’re planning to use your homeowners insurance to repair roof damage or cover a roof replacement, do not initiate work until the claim has been approved. Some less-than-honest roofing contractors might try to get you to sign some paperwork that says they can work on your roof no matter the result of your claim, but this is a sneaky business practice designed to take advantage of you. Instead, wait until you’ve received final approval from your insurance company. This way you know you have the funds for the job and won’t be caught by surprise later on.
Get a Second Opinion if Needed
If the insurance company denies your claim, not all hope is lost. You can appeal this decision by getting another inspection, or by hiring an engineer to come out and find proof that your roof was damaged by a coverable event and should be paid for by your insurance. If the insurance company made you use one of their roofing companies to do the first inspection, you may have the right to choose your own for a second opinion.

A Roofing Contractor that Fights for You

At Russell Roofing Company, you are our top priority. It doesn’t matter if you’re paying for your roof out of pocket or filing an insurance claim. What we care about most is making sure you get a quality roof at a price you can afford. This means we will:

Provide free estimates and inspections to help you file your claim
Deal directly with insurance companies so that you don’t have to
Never ask you to sign something until the roof claim is approved and you have the funds.

The Best Roofing Company in Annapolis, Maryland

When you file a roof claim and use your insurance for a roof replacement, you have the right to choose the roofing contractor you want to use. Don’t let the insurance company bully you into using one of their companies. Instead, choose Russell Roofing Company. We’re the best because we:

Work directly with your insurance company to make the whole claim process less stressful
Have the best roofers in the business, all fully licensed and with years of experience repairing and replacing roofs in Annapolis, Maryland.
Guarantee our work and materials so that you don’t ever have to think twice about the quality of your roof.

Homeowners Insurance FAQs

Does My Insurance Cover a Roof Replacement or Roof Repair?

Ultimately, the answer to this question will depend on your specific insurance policy. In most cases, insurance will cover a roof replacement or roof repair if the damage happened as the result of an unexpected event, such as a storm, a fallen tree, a fire, etc. If the damage occurred because of lack of maintenance or normal wear and tear, then it’s likely not going to be covered.

Whether or not your insurance company opts for a full roof replacement or a simple repair will also depend on the specifics of your roof. If the damages are more minor and localized, a simple repair might do the trick. But more often than not, since it secures the long-term health of your home, they will push for a full repair.

Does Homeowners Insurance Cover Roof Leak Repairs?

If you have a leaky roof, you may be able to get insurance coverage, but usually only if the leak was caused by damage from an unpredictable event. If your roof is 40 years old and has just started leaking, this usually qualifies as normal wear and tear and likely won’t be covered.

How Much Will I Get for a Roof Replacement if I File a Claim with Insurance?

There is no way to answer this question without inspecting your roof and also looking at your policy. However, there are a few things you can look at to help you know what to expect.

The first is your deductible. No matter how much you get from your claim, you always have to cover your deductible. If you don’t remember what this is, take a look at your policy.

Another thing to consider is whether or not your homeowners insurance policy provides Replacement Cash Value (RCV) or Actual Cash Value (ACV). With RCV policies, insurance will provide you with funds to cover the cost of replacing your roof at the time the damage occurred. However, if your policy is ACV, then you will only get what your roof is worth at the time of damage.

This means you will have to pay out of pocket the amount your roof has depreciated over time. In other words, you will get considerably less for older roofs.

How much you get also depends on the cost of the project, which is why it’s important to work with a reputable roofing contractor. If they try to overcharge you, your insurance company might not cover everything.

How Long Does it Take to Process a Roof Claim?

If you’ve ever dealt with insurance companies before, you know that things tend to move slowly. The same applies for roof claims. Expect it to take several weeks to several months for your claim to be approved, though the exact time will depend on which company you use. Larger companies tend to take longer. Your claim may also be delayed if many homes in your area were affected.

Is It Worth it to File a Homeowners Insurance Roof Claim?

Ultimately, this is up to you. Filing a claim will likely cause your premiums to go up. If you’ve never filed a claim before, the increase might not be too much. It’s difficult to know exactly how much it will go up before you file.

Another thing to consider is your deductible. This you have to pay no matter what. So, if the cost of repairs isn’t much more than what you would have to pay anyway, then it might not be worth it.

Lastly, the scope of the project also matters. If your entire roof needs to be replaced and you’re not financially prepared to do this, then you may have no other choice. But if the needed repairs are smaller and less significant, it may be prudent to file a roof claim.

Let Russell Roofing Company Help You With Your Roof Claim

48 Hour Estimate Guarantee
When your roof needs work, you don’t want to wait longer than you have to. You’ll have your Russell Roofing Company roofing estimate in hand within 48 hours of contacting us - guaranteed.
Free Roof Check-up
After our work is done, you’ll want peace of mind that your roof is holding up. We'll come back at the 1-year mark for roof repairs and 5-year mark for roof replacements to proactively repair any issues we find. This service is free of charge for all customers.
Generous Warranties
A roof is only as good as its warranty. We offer 10-15 year labor warranties and lifetime manufacturer’s warranty on all roof replacements.
Flexible Financing
Get approved for financing with our easy 90 second application. We offer up to 7 year repayment terms and interest rates starting at 5.99%.


I am very pleased with how my roof came out! The crew and salesman were very nice and informative throughout the entire process.


Not only were they the most thorough with the initial estimate, but they also had the best price and financing options. Highly recommend Russell Roofing Company!


From start to finish, working with Russell Roofing has been easier than I thought it would be. They're communicative and really care about quality!


The crew were in and out quickly and the office was easy to work with. Couldn't ask for a better roofing company!

Mon - Fri 9:00 A.M. - 5:00 P.M.
1125 West Street, Suite 581
Annapolis, MD 21401
(410) 881-0590

About Russell Roofing Company

Russell Roofing Company is a new breed of residential roofing contractor. We’re on a mission to make the roofing process less time-consuming and more straightforward for homeowners in Annapolis. We do this by providing top-notch service, consistent and clear communication and easy, secure payment.

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