Roof Claim Timeline: How Long Does It Take?

Typical Claim Timeline

Day 1-3: Initial Report

• File claim with insurer
• Receive claim number
• Claim assigned to adjuster

Week 1-2: Inspection

• Adjuster schedules visit
• Inspection conducted
• Adjuster prepares estimate

Week 2-3: Initial Offer

• Receive estimate from insurer
• Review coverage decisions
• Initial payment issued (if approved)

Week 3-6: Resolution

• Accept settlement or negotiate
• Hire contractor
• Begin repairs

Week 6-12: Completion

• Complete repairs
• Submit for depreciation recovery (RCV)
• Final payment received

Factors That Affect Timeline

Faster Claims

• Clear damage documentation
• Straightforward coverage
• No disputes or negotiations
• Available contractors

Slower Claims

• Complex damage
• Disputed coverage
• Backlog after major storms
• Negotiation or re-inspection needed

State Regulations

Many states require insurers to:

• Acknowledge claims within 10-15 days
• Complete investigations within 30-45 days
• Pay claims within 5-30 days of decision

Check your state's requirements for specific timelines.

After Major Storms

Expect delays when:

• Many claims filed at once
• Adjusters are overloaded
• Contractors are booked
• Materials are in short supply

Timeline may extend to 3-6 months or more.

Tips for Faster Resolution

• File promptly - Don't delay initial report
• Document thoroughly - Complete information upfront
• Respond quickly - Answer requests immediately
• Be available - Accommodate inspector schedules
• Follow up - Check status regularly

Key Takeaways

• Typical claims resolve in 6-12 weeks
• Major storms cause significant delays
• State regulations set minimum timelines
• Your responsiveness affects speed