What to Know about a Roof Repair Insurance Claim

If a storm or other natural disaster damages your roof and you have insurance, you’re going to be okay. This is the exact reason why homeowners’ insurance exists. However, there is a lot to know about filing a roof repair insurance claim that should come from a roofing expert – rather than just your insurance company. That’s what we’re discussing in today’s blog.

At Mid-Shore Exteriors, we are a full-service roofing company that serves the entire Eastern Shore of Maryland. We not only strive to perform the highest-quality roofing work, but we’re here to help walk our customers through every step of the process. In the case of storm damage, we help our customers understand their roof repair insurance claim, ensuring they get everything they are entitled to from their insurance company. Read on for answers to the common insurance roof replacement questions – or reach out to talk to one of our experts right now!

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Important Insurance Roof Replacement Questions & Answers

After a storm or other natural disaster damages your roof, your goal is to get your roof back to the condition it was before – or better. That’s what we want, too. Unfortunately, insurance companies often try to get you to accept less complete (and less costly for them) solutions that may not help your home keep its value long term. That’s why we recommend working with an experienced roofer when filing roofing insurance claims for storm damage.

We have decades of experience serving our clients through these situations. We’re answering some of the most important roof replacement insurance questions:

What happens to a roof in extremely high winds?

During a wind event, shingles literally move up and down.  This stresses those shingles beyond their tolerances, breaking the line of sealant. This then causes the shingles to lose their ability to shed water and lose their structural integrity – again stressing the shingles beyond their tolerances.

What if my roof has a warranty?

Today, every manufacturer of 3-Tab strip shingles only warrants their products for a 60 mile per hour wind rating. In a weather event, with wind speeds higher than 60 miles, that shingle warranty becomes void. This often leaves you and your insurance company needing to pay the full price. With architectural shingles, most shingle manufactures warrant their products for a 90 mile per hour wind rating. When a roofer installs the shingles with a 4-nail application it will not come with an extended warranty.  At Mid-Shore Exteriors, we are a Certified Master Elite installer and with our roofs we use a 6-nail application with extended warranties, with that you get a 130 miles per hour wind rating.


What is the best solution for a severely storm damaged roof?

From our perspective, the best thing to do as a homeowner with a damaged roof is to have it completely replaced. Firstly, this ensures that your roof will be able to protect your home.  In addition, this allows your roof to have the same looking shingles with the same lifespan going forward. Finally, having a new roof will increase your home’s value.

Discover how much a new roof costs.

What does the insurance adjuster do?

An insurance adjuster works to determine how much money the insurance company should give you to fix any damage to your home. They are knowledgeable on general construction practices, not specifically roofing. In addition, since they work for the insurance company, they often try to limit the amount of money you are paid for your roof repair insurance claim. Ultimately, an insurance company is a business and the less money they pay in claims, the better for them.

What is an “acceptable remedy” and what is the problem with agreeing to it?

This is one of the most important insurance roof replacement questions. In the eyes of an insurance company, an acceptable remedy is a solution that they consider good enough. For example, this can mean patching a section of damaged roof rather that completely replacing the whole roof. In some cases, agreeing to an acceptable remedy can work against you. For example, if you accept this repair once and there is a second windstorm, the insurance company might not pay to patch the roof again – since you accepted the fix once before.

How do we work with your insurance company on your behalf?

During roofing insurance claims for storm damage, it is our job as the roofing expert to ensure you get the best roof that will keep your home secure. Firstly, upon inspection, we can assess the damage that you might not be able to see. This includes issues like fractured fiberglass or ripped or torn seals. We then take this information to your insurance company and let them know what is required to fix the roof in accordance to code. Ultimately, we go to bat for our customers to ensure they end up getting the roof they deserve.


Please keep in mind that all homeowners’ insurance companies, policies, and claims are different. However, as the insurance policy holder, you have rights and it is important to know what they are. The complexity of issues like these is why you should bring out an expert roofer you trust from the very beginning.


Our Roofing Expertise

At Mid-Shore Exteriors, we put roofing quality first. Our in-house teams are among the most knowledgeable and best-trained in the industry. In fact, we are proud to have Master ELITE GAF Certification & Shingle Master Certification by CertainTeed. These titles can only be earned by showcasing a long track record of impeccable performance.

Learn more about the traits of the best roofers.

Roof repair company in Maryland


Work with us When Filing Your Roof Repair Insurance Claim

If your home and roof was damaged in a storm or wind event, we’re here to help. Not only do we have decades of experience building elite quality roofs, but we have extensive experience with roofing insurance claims for storm damage. Our experts will work to advocate to the insurance company to ensure you get the best remedy – and we’ll build it for you, too.

If you have questions, let’s start the conversation – reach out today to discuss your roof and your roof repair insurance claim!

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