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Should I Call a Roofer or Insurance First for Roof Damage?

Updated: Feb 4, 2023

If your roof has been damaged, you may be asking yourself the question “should I call a roofer or insurance first?”

While insurance may seem like the natural first number to call, it may be in your best interest to instead reach out to your local roofing company.

How Can a Roofing Company Help Me with Insurance?

Any qualified roofing company will work in your best interest to work with the insurance company to understand their estimated guidelines.

When you reach out to a roofer after the damage has occurred they are able to reach out to your insurance provider directly in order to advocate for you and to ensure a pleasant experience.

Why You Need a Roofing Expert After a Storm

It is always smart to call your local roofer as the best person to fully assess the damage that has occurred.

In fact, it goes without saying that a professional roofer will conduct a more thorough examination of damage when compared to an insurance adjuster who is not as well versed in roofing issues.

By hiring a roofer, they can send the most detailed information to your insurance company for the most accurate appraisal.

How Do I Know if I Should File an Insurance Claim for My Damaged Roof?

The biggest factor to consider when deciding to call your insurance provider first is that if you call insurance, they will always send an adjuster to inspect the damage.

In this case, if the damage is under the deductible amount you will be required to pay out of pocket and have it considered to be a claim which can increase your policy premium.

However, your local roofing company has no obligation to report it to insurance and can help you determine if you even need to make a claim based on the damage done.

More on Should I Call a Roofer or Insurance First?

When it comes to roof damage, always call A&M Roofing first!

Call us today at (703)584-5876 or email


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