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Insurance roof claims explained
Ask your insurer what it needs before assuming a roof repair is covered. Keep damage photographs, dates, correspondence and the written repair scope together; Stormshield undertakes insurance work and provides roof photographs, but your insurer decides the claim and cover.
Free, no obligation, and the photographs are yours.
- 10-year workmanship guarantee
- Fully insured
- Free written quotes
- 24/7 emergency call-out
Get my roof inspected
Adam gets on the roof, photographs what he finds and sends you a written quote.
Expert RooferVerified memberIndependent platforms
September 2026
Begin with your insurer's requirements
Contact your insurer and ask what information it needs about the roof damage. The policy and claim process are its responsibility, so keep that answer separate from a roofer's description of repair work. Ask how it wants photographs, quotations and any immediate work recorded. Retain the response with your claim correspondence so you can refer to the actual instructions. You can ask Adam to inspect the roof and explain the work while keeping the insurer's decision about cover with the insurer.
Make a factual record of the damage
Write down when you noticed the problem and describe what you can see safely. That includes water entering a room, a new ceiling stain or fallen roof material observed from the ground. Keep any photographs with those notes, and separate older defects or previous repairs from the damage you are now reporting. You do not need to guess whether a concealed batten, rafter or membrane has failed. Adam's roof inspection can add findings about the components he examines. Clear records help distinguish your observations from the later roof diagnosis, which is useful when discussing the scope of work and the information requested by your insurer.
Get the roof work described by component
Ask Adam to identify the affected tiles or slate, ridge, leadwork, membrane or other components in the written quote. A broad description such as repair roof gives less information than an explained scope tied to photographs. Stormshield's recorded work includes broken tile replacement, hip repairs, dry ridge systems, leadwork and gutter repairs, as well as larger re-roof build-ups. Your own quotation needs to name the tasks proposed for the inspected roof. Keep retained materials and replacement items distinct, and ask which areas need further access before their condition can be established. That produces a repair proposal that can be discussed without assuming every part of the roof is damaged.
Keep emergency attendance separate
If water is entering or storm damage needs prompt attention, call Adam to discuss attendance and the immediate problem. Stormshield provides 24/7 emergency call-out. Ask your insurer how it wants immediate work handled and recorded. Keep any protective work separate from the later permanent repair description, with photographs explaining the roof condition at each stage. Neither an emergency visit nor a contractor's invoice guarantees the insurer will meet the cost, so use the insurer's actual response when discussing that question.
Record changes to the proposed scope
Roof work can reveal components that were not accessible during the first inspection. Ask Adam to photograph further findings and explain any additional work before it becomes part of the agreed job. Keep that explanation with the original quote so the change can be followed. If your insurer is considering the repair scope, ask it how additional findings need to be submitted. Do not infer its agreement from the fact that the roofer has identified a defect. The roof record describes what was found and what work is proposed; the insurer's correspondence describes its position. Keeping both documents intact makes the sequence easier for you to understand and discuss.
Retain the completion information
Keep the final written work record, photographs, quotation changes and invoices with your insurer's correspondence. Ask which roof components were repaired or replaced and retain any actual manufacturer terms supplied for the materials used. Adam's role is to describe Stormshield's roofing work accurately. Your insurer remains responsible for its claim decision and policy explanation.
Ask about this roofing work
Get your roof inspected
Photographs and a free written quote from Adam. Fully insured, with a 10-year workmanship guarantee on all work.
Free, no obligation, and the photographs are yours.