A roof claim insurance process typically begins when a homeowner notices roof damage, often due to weather events. The homeowner contacts their insurance company to file a claim. An adjuster is then sent by the insurance company to assess the damage and determine the claim’s validity and cost of repairs. If approved, the insurance policy details will dictate the coverage amount. The homeowner can then proceed with repairs, using an approved contractor. The insurance company pays out the claim based on the adjuster’s report and policy terms.