Tips on Navigating a Roof Insurance Claim in Spokane, WA

Spokane, Washington has a moderate climate that may lessen the need for frequent roof repair, but it does not eliminate it. With snowfall levels in winter exceeding the national average, dense snow or sitting water can be one culprit for causing detrimental damage to your roof and gutters in Spokane. 

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Water that does not properly drain can cause your roof to rot or other significant cosmetic damage to your home. Even metal roofing in Spokane is susceptible to such damage.

The age and overall condition of your roof will determine what type of repair you will need. Your first step before filing an insurance claim is getting in touch with roofing companies in Spokane. They will be your biggest asset, in addition to the step-by-step guide below on how to navigate a roof insurance claim. 

roof insurance claim

Step 1: Assess Roof Damage 

You will need to make a note of any visible damage to report to your insurance. The insurer will cover destruction as a result of rain, hail, and wind.

However, do not wait until the roof nearly collapses. Delaying a report can backfire and result in a denial of financial assistance. 

Since rain gutters in Spokane can become damaged due to improper water draining, roof repair in Spokane can include the gutter in a roof replacement. 

Step 2: Find a Professional Roofing Contractor 

Do your research to find a reputable Spokane roofing company. Ensure the contractor you intend to work with has prior experience with roof insurance claims and can help you maximize your insurance coverage. Get a referral from a trusted source or ask to see a portfolio.

The goal for legitimate roofing companies in Spokane is to guarantee quality service and repair your roof for the cost of your deductible.  

Step 3: File a Claim With Your Insurance 

To start a claim, you will need to contact your insurance company. They will send out an adjuster to assess the damage, then come up with an offer. The adjuster will propose a much lower deal than what your insurance should cover for the damage. 

This is where your contractor for commercial roofing in Spokane, WA will negotiate with the adjuster. The contractor can help you receive the coverage you deserve.

Be prepared. The negotiation process can take up to a few weeks as your contractor works hard to create a contract that you feel the most comfortable with, and the adjuster seeks to finalize an amount that the provider can accept. 

Step 4: Finalize the Contract 

Once you and your contractor have settled an agreement with your insurance for roofing in Spokane, WA, you will be almost finished with your insurance claim. Your contractor will go over what damage your insurance has agreed to cover. Remember faulty gutters in Spokane, WA can be part of the coverage. 

Before signing, make sure you understand the extent of the repairs. Do not be afraid to ask your contractor any questions. After you have signed the contract, the repair can begin.


Navigating a roof insurance claim can give you a headache if you try to haggle with your insurance company alone. With the guidance of a certified roofing contractor in Spokane, Washington, you can negotiate and finalize a contract to guarantee a fully covered, quality roof repair. 

Author: Advance Roofing Team