Should I climb onto the roof to document damage?

No. Take photos from the ground or another safe position and record visible damage and indoor water stains. Leave roof access to professionals.

When should I contact my insurer?

Contact your insurer promptly after discovering damage. Ask about reporting requirements, next steps and any deadlines that apply to your policy.

How does Matterhorn help with the roofing side of the process?

We inspect and document damage, provide a detailed written estimate, and meet the insurance adjuster on site. We do not handle, negotiate, file or manage claims for homeowners or interpret policies.

Should I be present for the adjuster visit?

Arrange to be present if possible, following the insurer's appointment instructions. You can point out your observations, share records and ask the adjuster about next steps.

Can a contractor guarantee that insurance will pay for replacement?

No. Coverage decisions are made by the insurer under the policy. We are not a public adjuster and do not guarantee claim approval.

Does insurance cover roof replacement?

It depends on your policy and on the cause and extent of the damage. Sudden damage, such as from a storm, may be treated differently from wear and age. Only your insurer decides coverage, so ask your insurer or agent about your policy.

How to Get Insurance to Help Pay for Roof Replacement

Document damage without putting yourself at risk

This guide is for homeowners in Edwardsville, Glen Carbon and across the Metro East in Illinois. Stay on the ground. Photograph visible missing shingles, fallen debris or damage to roof edges from a safe position, and note new water stains indoors. Record when you noticed the problem. Do not climb onto the roof or approach damaged electrical equipment to get a closer photo.

Contact your insurer promptly

Tell your insurer what you observed and ask what documentation, reporting steps and deadlines apply. Follow its instructions and keep a record of the conversation. Questions about your policy and coverage should go to the insurer or your agent, not a roofing contractor.

Arrange a roof inspection and written estimate

We help homeowners through the roofing side of the process by inspecting and documenting damage, providing a detailed written estimate, and meeting the insurance adjuster on site. A storm damage roof inspection helps identify the physical condition of the roof and the work it needs.

We do not handle, negotiate, file or manage claims for homeowners, and we do not interpret policies. We are not a public adjuster and do not guarantee claim approval. Coverage decisions are made by the insurer.

Be present for the adjuster visit

When possible, arrange to be there for the insurer's adjuster appointment. Share your observations and records, and ask about the next steps. Our role on site is to discuss the visible damage and proposed roofing work, not to decide coverage or negotiate your claim.

Keep the paperwork together

Keep photos, dates, inspection notes, estimates, insurer correspondence and receipts together. If the insurer requests more information, retain a copy of what you send. Ask the insurer directly if its decision or instructions are unclear.

Separate the claim decision from the roofing decision

The insurer decides coverage under your policy. You decide which roofing work to authorize after reviewing the scope and estimate. Depending on the roof's condition, that may be a repair or replacement.

Read our insurance and storm damage roofing page for more about how inspections, documentation and roofing estimates relate to a claim.

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