How to File a Roof Damage Insurance Claim: A Step-by-Step Guide from Centennial Roofing
Storms can strike fast—but when your home is left with roof damage, the aftermath can feel overwhelming. Where do you start? Who do you call? What does the insurance process even look like?
At Centennial Roofing, we’re with you every step of the way. Serving Ellis County since 1983, our team has helped thousands of homeowners navigate roof repairs and insurance claims with confidence and clarity. Below, we’ve broken down the entire process—so you always know what to expect.
Step 1: Call Centennial First
Not sure if you need to file a claim? That’s exactly why we’re here. Call 800-Roofcare or (972) 223-1765 to schedule your free inspection with one of our trained roofing technicians.
Step 2: Receive a Thorough 17-Point Inspection
When your technician arrives, they’ll complete a ground-to-roof assessment, inspecting every area of potential damage—shingles, flashing, gutters, fence lines, and more. Our 17-point inspection is designed to catch what others may miss.
Step 3: Get an Honest Recommendation
At Centennial Roofing, we don’t upsell—we inform. If the damage is minor, we’ll simply recommend repairs and explain your options. If the damage is more extensive, we’ll let you know it’s time to file an insurance claim—and guide you on the next steps.
Important: We only recommend claims for legitimate, insurable damage. We believe in doing what’s right, not what’s easy.
Step 4: File the Claim With Your Insurance Company
While we can’t file the claim on your behalf, we’ll help you understand the process. You’ll contact your insurance provider directly—either by phone or through their online portal—and report the damage based on your inspection findings.
Step 5: Meet the Insurance Adjuster (We’ll Be There Too)
Once your claim is filed, your insurance company will send an adjuster to perform their own inspection. We’ll be present during this appointment to ensure nothing is overlooked and to advocate for you throughout the process.
Step 6: Review the Estimate and Make Design Decisions
After the adjuster’s visit, they’ll provide an estimate for the repairs. Our team will sit down with you to review it, double-check the measurements and pricing, and help you make aesthetic choices—like shingle colors, gutter styles, and fence staining—so we can begin work.
Surprised by What’s Covered (or Not)? You’re Not Alone.
Many homeowners are surprised to learn that fence staining, gutters, and even interior damage from leaks are often covered by insurance—while others are equally surprised to find that general wear and tear, improper installation, or older roof issues typically are not.
At Centennial Roofing, we walk you through these nuances before you ever file a claim. If your policy doesn’t cover something you expected, we’ll help you explore cost-effective solutions and prioritize what’s most important. When the unexpected happens, you can count on us to provide clear answers and honest support.
Why Homeowners Trust Centennial Roofing
- Owens Corning Platinum Contractor
A prestigious title held by fewer than 1% of roofing companies nationwide. - Licensed by the North Texas Roofing Contractors Association
Only a select few meet this high professional standard. - Local Experience Since 1983
We’ve been proudly serving Ellis County for over 40 years.
Don’t Face Roof Damage Alone—We’re Here to Help
Roof damage doesn’t have to be stressful. With Centennial Roofing, you gain a partner who’s experienced, transparent, and truly invested in protecting your home.
Call 800-Roofcare or (972) 223-1765 now, or visit our contact page to reach us!
Let’s restore your roof—and your peace of mind.
