April 23, 2025April 23, 2025 Cadence SocialCadence Social 0 Comment
do i contact insurance first or contact a roofing company

Do I Contact Insurance First or Contact a Roofing Company?

When your roof suffers damage—whether from hail, high winds, fallen tree branches, or simply old age—you might find yourself asking:
“Do I contact my insurance company first or a roofing company?”

It’s a common question, and the answer can significantly affect how smoothly and quickly your roof gets repaired.

In this guide, we’ll walk you through what to do first, how the claims process works, and how to avoid common pitfalls. Whether it’s a minor leak or major storm damage, this article will help you navigate the next steps with confidence.

 
Assess the Situation First

Before making any calls, take a moment to evaluate the situation:

  • What caused the damage? Was it weather-related, or due to normal wear and tear?
  • Is it an emergency? Is water actively leaking into your home?
  • Do you feel safe? Some roof issues can pose immediate risks.

If there’s an urgent threat like water intrusion or structural instability, call a roofing company in Buda, Texas immediately for emergency repairs. Otherwise, follow the steps below for a smoother process.

 
Step-by-Step: What to Do After Roof Damage

 

1. Document the Damage

Take clear photos and videos of the affected areas. Include close-up and wide shots. This will be essential for your claim.
Also, jot down:

  • When the damage occurred
  • If there were any weather events (like hail or storms)
2. Prevent Further Damage

If it’s safe, use a tarp or buckets to minimize water intrusion.
Insurers require “reasonable steps” to prevent further damage. Skipping this could reduce or deny your claim.

3. Call a Roofing Company for Inspection

Here’s where most homeowners hesitate—but calling a roofer first is often smarter than going straight to your insurance.

Why call a roofer first?
  • They assess whether damage is insurance-worthy
  • They provide a professional inspection report
  • They may catch damage that insurance adjusters miss

In Buda, TX, working with a trusted local roofer ensures the job is done right and helps you build a strong claim.

Also noticing gutter problems? Search for gutter repair services near me to handle both issues together.
4. Get a Written Estimate

Ask your roofer for a detailed estimate with breakdowns for:

  • Labor
  • Materials
  • Permits
  • Waste disposal

This not only clarifies costs but also strengthens your claim. Compare multiple estimates if needed.

5. File an Insurance Claim

Now that you have solid documentation and a roofer’s report, file your claim with the insurance company.

Have this ready:

  • Photos & videos
  • Roofer’s inspection report
  • Cost estimate

You can file online or by phone. Keep a log of all interactions, including names, dates, and summaries of discussions.

6. Meet with the Insurance Adjuster

The insurer will send an adjuster to inspect your roof. If possible, have your roofer present during this inspection.

They’ll:

  • Explain technical damage
  • Help avoid underestimation
  • Ensure nothing gets overlooked
7. Review the Settlement Offer

Your insurer will send a settlement amount after the adjuster’s visit. Review this with your roofer.

If it’s too low or incomplete, ask for revisions. Your roofer can provide additional evidence to support a higher payout.

8. Approve the Repairs and Start Work

Once the claim is settled:

  • Authorize your roofer to begin work
  • Keep all invoices and communication

Note: Some insurance policies split the payout—initial payment and final payment upon completion.

Common Mistakes to Avoid
  • Skipping the inspection: You might miss covered damage.
  • Calling insurance first: Without documentation, you risk a smaller payout.
  • Hiring storm chasers: Always go with licensed, local professionals.
  • Ignoring your policy: Know what’s covered—and what’s not.
  • Delaying repairs: The longer you wait, the worse it can get (and harder to claim).
Why Choose Cadence Home Solutions?

At Cadence Home Solutions in Manchaca, Texas, we:

  • Offer free, thorough inspections
  • Help document damage to strengthen your claim
  • Meet with your insurance adjuster
  • Deliver high-quality, warrantied repairs

With years of experience and a commitment to excellence, we make the process smooth, transparent, and stress-free.

Call us today at (512) 818-7882 to schedule your inspection.

Final Thoughts

So, who do you call first—insurance or a roofing company?
In most cases, contacting a trusted roofer first is your best move.

They’ll help you:

  • Assess the damage
  • Prevent further harm
  • Navigate the insurance process
  • Ensure repairs are handled correctly

Don’t let roof damage overwhelm you. With a good plan and the right team, you’ll get through it confidently.

Cadence Home Solutions

Call (512) 818-7882
Let us handle the hassle—so you can get back to enjoying the comfort and safety of your home.