Roof Repair or Insurance Claim?
What You Need to Know Before You Decide
After a storm, many homeowners face the same question:
Should I file an insurance claim—or just repair the damage myself?
The right answer depends on several factors most homeowners aren’t told upfront. And once a claim is filed, some options can disappear.
We’re here to help you understand what matters before you make that call.
Why This Decision Deserves a Pause
Storm damage isn’t always black and white. What looks serious on the surface may be minor—and what looks minor could have hidden consequences.
Filing an insurance claim:
That doesn’t mean claims are bad. It means they should be intentional.
Key Factors That Matter More Than You Think
1. The Age of Your Roof
Roof age plays a major role in how damage is evaluated.
If your roof is 15 years or older, insurance companies often:
This doesn’t mean you shouldn’t file a claim—it means you should understand the likely outcome first.
2. The Extent of the Damage
Some damage clearly justifies a claim. Other damage falls into a gray area.
Examples:
The challenge is knowing which category your situation falls into.
3. Your Deductible vs. Repair Cost
If repair costs are close to—or below—your deductible, filing a claim may not provide much benefit.
In some cases, paying out of pocket:
4. Long-Term Consequences
Homeowners are often surprised to learn that a claim can:
Understanding these possibilities ahead of time helps avoid regret later.
Why Calling First Matters (And Has No Downside)
Calling Mr. GoodRoof before calling insurance does not:
It simply gives you information.
We assess the damage, explain what we’re seeing, and walk you through the realistic paths forward—repair, claim, or monitor and wait.
You stay in control the entire time.
Our Role Is Guidance, Not Pressure
Our goal is to help you answer:
There’s no rush and no obligation. If you decide to move forward with Mr. GoodRoof, we’re here. If not, you still walk away informed.
Take the Next Step (Even If You’re Unsure)
If you’re weighing repair versus claim and want clarity before making a call, start with a conversation.
👉 Learn more about a Storm Damage Assessment with Mr. GoodRoof
No pressure. No obligation. Just the information you need to make the right decision for your home.
Call now or fill out the form below to get help from the roofing experts at Mr Goodroof.
