Do I need a public adjuster?

Rarely for straightforward claims. Public adjusters take 10-20% and are most useful on large commercial losses where the adjuster's scope is dramatically lower than reality. For most residential claims, a good roofer accomplishes the same thing.

Will my premium go up if I file a claim?

Weather-related roof claims usually don't affect your individual premium, but frequent claims (2+ in three years) can trigger a policy non-renewal. Wear-and-tear claims are usually denied and shouldn't be filed.

The Roof Insurance Claim Process, Step by Step

A well-run roof insurance claim takes 30-60 days from filing to check. A poorly documented one can drag on for six months or get denied entirely. Here's the sequence that works.

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