Before filing a claim, review your commercial or residential roofing insurance policy to ensure that roof repairs or replacement are covered. Some policies may exclude certain types of damage, such as normal wear and tear, or only cover damage from specific events, such as hail or windstorms.

Take photos or videos of the damage to your commercial or residential roof and any surrounding property that may have been affected. This documentation will be important when filing a claim with your insurance company.

Call your commercial or residential roofing insurance company as soon as possible to report the damage and initiate the claims process. Be prepared to provide details about the damage, including the date it occurred and the cause if known. Your insurance company may also ask you to provide the documentation you gathered in step 2.

Your insurance company may send an adjuster to inspect the damage and assess the cost of repairs or replacement. Be sure to provide the adjuster with any documentation or other evidence you have gathered.

Based on the inspection, your insurance company will provide you with an estimate of the cost of repairs or replacement, minus any deductible you may have to pay. Review the estimate carefully and ask questions if you have any concerns.

Once you have received the estimate from your insurance company, you can hire a commercial or residential roofing contractor to perform the necessary repairs or replacement. Be sure to choose a licensed and insured contractor and get a written estimate for the work.

After the work is completed, submit a claim to your insurance company for reimbursement of the cost, minus any deductible you paid. Be sure to include all documentation related to the work, including the written estimate and receipt for payment to the contractor.