How to File a Roof Insurance Claim: A Homeowner’s Guide

Storms, wind, heavy snow, and falling branches can all take a toll on your roof here in Central Oregon. If you’ve recently experienced roof damage in Bend, Redmond, La Pine, or surrounding areas, filing a roof insurance claim can help cover repair or replacement costs. In this guide, we’ll walk you through the steps to make the claims process less stressful and more successful.

Step 1: Assess the Damage

After a major weather event or suspected roof leak, safely inspect your home from the ground. Look for:

• Missing shingles

• Damaged flashing or vents

• Water spots on your ceilings

• Granules collecting in gutters

Then, contact a professional roofer like Ascent Roofing and Exteriors for a detailed roof inspection. This documentation will be essential for your claim.

Step 2: Review Your Insurance Policy

Before you file, review your homeowner’s insurance policy to understand:

• Your deductible amount

• What types of roof damage are covered

• Time limits for filing a claim

Most policies in Oregon cover sudden and accidental damage (like from a windstorm or fallen tree), but not wear and tear from age.

Step 3: File the Claim

Contact your insurance provider to start the claim process. Be ready to share:

• The date and cause of the damage

• Photos and inspection reports

• A written estimate from your roofer

Pro tip: Choose a roofing contractor experienced in working with insurance companies. At Ascent Roofing and Exteriors, we help guide homeowners through the entire claims process.

Step 4: Meet with the Adjuster

Your insurance company will send an adjuster to assess the damage. Your roofer should be present to advocate on your behalf and ensure nothing is overlooked.

Step 5: Repair or Replace the Roof

Once the claim is approved, you’ll receive funds to repair or replace your roof. Choose a certified, reputable contractor with experience working in the Central Oregon climate. Learn more about our roofing services.

Why Work with Ascent Roofing and Exteriors?

At Ascent Roofing and Exteriors, we specialize in roof replacements, repairs, and storm damage restoration across Bend, Redmond, Sunriver, and beyond. We hold professional roofing certifications that ensure we meet the highest industry standards. Our team walks with you through the insurance claim process from start to finish — no guesswork, just results.

Request a Free Estimate or Contact Us today — your home deserves the best roof.