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Your Complete Guide to Roofing Insurance Claims

Hey there, homeowner!

If you’re staring up at a damaged roof after the latest storm, take a deep breath—we’ve got you covered. Ruffin Roofing has built a reputation for excellence in the Columbus area, combining years of experience with a commitment to quality and customer satisfaction. Our team understands the stress that comes with roof damage, and we’re here to make the repair process as seamless as possible. Let’s walk through the steps of fixing up your roof with Ruffin Roofing, starting from the very beginning:

Step 0: Performing an Inspection

Before anything else, we’ll come out to assess the damage to your roof and exterior. Our experts compile a detailed inspection report that we provide to both you and your insurance company. This report is crucial for filing an accurate claim. Ruffin Roofing’s thorough inspection process ensures no damage goes unnoticed.

What does the inspection involve?

Our team examines your roof thoroughly to identify all damage. We check for leaks, structural damage, and other issues caused by weather or wear.

How long does an inspection take?

Typically, our inspections take about 1-2 hours, depending on the size and condition of your roof.

Step 1: Filing the Claim

Once the inspection is complete, it’s time to file a claim with your insurance. If you find the process daunting, don’t hesitate to reach out. We can guide you through it or even handle it on your behalf. Filing an insurance claim can be daunting, but Ruffin Roofing is here to guide you every step of the way.

What information do I need to file a claim?

You’ll need your policy number, the date of the incident, a description of the damage, and the inspection report.

Who contacts the insurance, me or Ruffin Roofing?

While you typically initiate the claim, we can assist you throughout the process or take over communication with your consent.

Step 2: Providing Consent for Direct Communication

Granting us permission to speak directly with your insurer can simplify and expedite the process. This ensures your claim is handled efficiently and all necessary repairs are covered.

Why is my consent necessary?

Your consent allows us to discuss claim details directly with your insurer, ensuring a smoother and more accurate claim process.

How do I provide consent?

We’ll provide you with a simple form to sign that grants us the needed authorization.

Step 3: Initial Assessment and Estimate

An adjuster from your insurance will assess the damage and provide an initial estimate. Let us review this estimate to ensure it covers all necessary repairs.

What if the initial estimate misses something?

It’s common for initial assessments to overlook some damages. We’ll ensure that everything is accounted for in our review.

Step 4: Supplementing the Claim

We often find that additional repairs are needed beyond the initial estimate. We handle the process of supplementing your claim to request further funds, ensuring that your roof is fully restored. We ensure your insurance estimate covers all necessary repairs.

What exactly does supplementing the claim involve?

It involves submitting additional documentation to cover repairs not included in the initial estimate.

Is supplementing the claim common?

Yes, it’s quite common as initial estimates often do not cover all necessary repairs.


Navigating insurance jargon can be confusing, but understanding a few key terms can help simplify the process. The deductible is the amount you, the policyholder, pay out of pocket before your insurance kicks in. Actual Cash Value (ACV) is the current value of your roof after depreciation, meaning it accounts for wear and tear over time. Replacement Cost Value (RCV), on the other hand, covers the full amount to replace or repair your roof without considering depreciation. Understanding these terms can help you navigate the insurance claim process more confidently and ensure you receive the necessary coverage for your roof repairs. If you have any questions or need further clarification, don’t hesitate to reach out to Ruffin Roofing so we can help.

Step 5: Approval and Scheduling

Once the supplemented claim is approved, we’ll schedule the repair work at a time that works best for you. We aim to start repairs quickly and efficiently.

How long does approval take?

This can vary but generally takes a few days to a few weeks, depending on your insurer and the complexity of the claim.

What if I need to reschedule the repairs?

We’re flexible! Just let us know, and we’ll accommodate your schedule as best as possible.

How do I prepare for the job?

There are several things to be prepared for this, please check out our other post that goes through Service Day Tips.

Step 6: Repair and Final Walkthrough

Our team will carry out the repairs or replacement using high-quality materials from GAF, ensuring your roof is built to last. We’ll conduct a final walkthrough with you to ensure everything meets your satisfaction. Our final walkthrough ensures your complete satisfaction with the repair work.

What if issues are found during the final walkthrough?

If any issues arise, we’re committed to resolving them promptly.

Do you provide a warranty for the restoration?

Yes, we offer a 40-year manufacturer warranty from GAF for new roofs and a 10 year labor warranty.

Step 7: Post-Repair Support

Our relationship doesn’t end after the repairs. We’re here for any further questions or additional roofing needs you might have.

Can I contact Ruffin Roofing for regular maintenance?

Absolutely! We offer ongoing maintenance services to keep your roof in top condition.

What if I have questions later?

We’re just a call or click away. Don’t hesitate to reach out!

Ready to Get Started?

With Ruffin Roofing, you’re choosing a partner who values quality, transparency, and your peace of mind. Our dedicated team is committed to providing exceptional service and lasting results. Let’s restore your roof and your comfort. Call us at 614-398-1124 or visit our website at today! We’re here to ensure your home remains a safe haven for you and your family.


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