Gaithersburg Roof Insurance Claims

Gaithersburg’s Trusted Roofing Company

We Work with Insurance Companies to Get You Every Penny You're Owed

Filing an insurance claim for roof damage can be an exhausting and complicated process. It can also be confusing to determine whether or not your claim will be covered by insurance or not. The whole process is a burden on the homeowner that is something that your roofing contractor should handle instead. At Russell Roofing, we work on your behalf to navigate your insurance claim, and get the compensation you’re entitled to. 

Simple Process for Homeowner Roof Insurance Claim

It’s worth it to take the necessary steps to find out if your roofing project is covered by insurance. Here are the steps to follow:

File a Claim
The very first step is to file a claim with your insurance company. This will get the ball rolling, and is the fastest way to find out if your roof damage is covered by insurance.
Schedule an Inspection
Once you’ve filed a claim with insurance, next they will call for an inspection. The inspection will determine the severity of the damage and qualify what needs to be done i.e. roof repair or replacement. Most likely, your insurance company will let you choose your roofing contractor. Russell Roofing has expertise in dealing with insurance roof repairs and replacements for homeowners. We’ll guide you through the entire process.
Sit Tight Until Your Claim is Approved
It’s vital that you do not initiate roof work until after your claim has been processed. If you’re planning on using your insurance to cover the cost of work, you’ll want to know if your claim was approved or not.

Be careful, as some shady roofing companies may try to get you to sign a contract to bind you to executing the roofing work regardless of the claim status. By waiting until you’ve received an approval notice from insurance, you can ensure that you won’t be on the hook to pay out of pocket for any part of the project.
Appeal Your Claim if Needed
Don’t get discouraged if your insurance claim is rejected. You may appeal the claim decision by procuring another inspection, or by working with an engineer to come out and determine that your roof damage was caused by an event covered by insurance. If the first inspection was completed by a company the insurance company provided, you may be able to hire a different roofing contractor for the second opinion.
Gaithersburg’s Trusted Roofing Company

Hire a Roofing Contractor that Fights on Your Behalf

If you choose to work with us, know that you are our #1 priority. Whether you’re paying out of pocket, or your insurance company is paying for it, our concern is making sure we get you a quality roof at an affordable price. Russell Roofing Company will:

Perform free inspections so that you can file your claim
Communicate and work with insurance companies directly on your behalf
Be transparent and not ask for you to sign a contract before the claim is approved and you have received the insurance money

The Best Roofing Company in Gaithersburg, Maryland

When you file a roof claim and use your insurance for a roof replacement, you have the right to choose the roofing contractor you want to use. Don’t let the insurance company bully you into using one of their companies. Instead, choose Russell Roofing Company. We’re the best because we:

Work directly with your insurance company to make the whole claim process less stressful
Have the best roofers in the business, all fully licensed and with years of experience repairing and replacing roofs in Gaithersburg, Maryland.
Guarantee our work and materials so that you don’t ever have to think twice about the quality of your roof.
Gaithersburg’s Trusted Roofing Company

Frequently Asked Questions about Homeowners Insurance Claims

How Do I Know If Insurance Covers Roof Replacement or Roof Repair?

Whether or not your insurance covers your roof damage will depend on your policy. Oftentimes, insurance will cover a roofing project if the damage occurred as a result of an unexpected event like a fallen tree, a fire, or bad weather, etc. But, if the damage happened due to lack of maintenance or normal wear, insurance will likely not cover the damage.

If you’re wondering about whether insurance will cover a full replacement or just a repair will depend on your roof and the specific damage. If a repair can sufficiently fix your damage, they will likely opt for this option. If it’s clear that the damage is more substantial and that full replacement is the best way to ensure lasting health of your home, insurance will want to go for a full replacement.

Will My Leaky Roof Be Covered by Homeowner’s Insurance

Like with replacement and repair claims, a roof leak will only be covered if it is a result of an unexpected event. Still, there’s a chance that a simple leak is not covered by insurance. For example, if you have a very old roof that just started leaking, insurance might chalk this up to normal wear and deny your claim.

How Much Will Insurance Pay Me for a Roof Replacement Claim?

This question is impossible to answer without first inspecting your roof, and understanding your policy. If you’re ready for an inspection, contact us now for a free estimate.

There are, however, a few things you can investigate to know what to expect in terms of compensation from your insurance company. 

Take a look at your deductible. Despite how much you might get from your claim, you will always have to pay your deductible first.

Check to see if your insurance policy comes with Replacement Cash Value (RCV) or Actual Cash Value (ACV). RCV policies provide you with money to cover the roof replacement cost at the time the damage occurred. ACV policies will only pay for what your roof is worth at the time of damage.

In other words, you’ll have to pay more out of pocket for the amount your roof has depreciated over time, thus rewarding less money for older roofs. 

Another factor is the total price for the roof repair or replacement. If it’s too costly, insurance might not cover any of the project. This goes to show the importance of working with a reputable roofing contractor that won’t price gouge, and will give you a fair estimate.

How Long Will I Have to Wait to Get My Insurance Claim Processed?

If you’ve never worked with an insurance company in the past, you should know that every part of the process tends to inch along and takes considerable time. Roof claims are no different. You can expect the claim reviewal process to take as long as a few weeks to a few months. If there was a bad storm in your area where many homes were affected, expect things to take even longer.

Is Filing an Insurance Claim for My Roof Damage Worth It?

At the end of the day, it’s your decision. But, you should know that filing a claim will most likely drive your premiums up. If it’s your first claim, the increase may not be that bad, but it’s hard to say for sure. 

You should also consider your deductible. You have to pay this, and if the cost to repair isn’t that different from your deductible, it may make more sense to skip the claim and pay out of pocket to save on future premiums as a result.

The severity of the damage and the scale of the roofing project are important to consider as well. If it’s a huge insurance replacement job and it’s very costly, you may need to file a claim, whereas with smaller roof repairs, it may make more sense to weigh your options.

Either way, it’s important to consider all of these factors when deciding whether or not to file a roof insurance claim. Do what makes sense for you, but either way, make sure you work with a trustworthy roofing contractor to get the job done. Contact us Russell Roofing Company today to schedule a free consultation.

Let Russell Roofing Company Help You With Your Roof Claim

48 Hour Estimate Guarantee
When your roof needs work, you don’t want to wait longer than you have to. You’ll have your Russell Roofing Company roofing estimate in hand within 48 hours of contacting us - guaranteed.
Free Roof Check-up
After our work is done, you’ll want peace of mind that your roof is holding up. We'll come back at the 1-year mark for roof repairs and 5-year mark for roof replacements to proactively repair any issues we find. This service is free of charge for all customers.
Generous Warranties
A roof is only as good as its warranty. We offer 10-15 year labor warranties and lifetime manufacturer’s warranty on all roof replacements.
Get approved for financing with our easy 90 second application. We offer up to 7 year repayment terms and interest rates starting at 5.99%.


I am very pleased with how my roof came out! The crew and salesman were very nice and informative throughout the entire process.


Not only were they the most thorough with the initial estimate, but they also had the best price and financing options. Highly recommend Russell Roofing Company!


From start to finish, working with Russell Roofing has been easier than I thought it would be. They're communicative and really care about quality!


The crew were in and out quickly and the office was easy to work with. Couldn't ask for a better roofing company!

Mon - Fri 9:00 A.M. - 5:00 P.M.
8 Brookes Avenue
Suite 501
Gaithersburg, MD 20877
(240) 751-4995

About Russell Roofing Company

Russell Roofing Company is the new generation of roofing contractors. We utilize state-of-the-art technology to provide our customers a stress-free, straightforward experience. Whether you want a roof repair or roof replacement, you can expect the highest quality work and generous warranties.

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