4 Reasons Why a Roofer Can Help More than Your Insurance

4 Reasons Why a Roofer Can Help More than Your Insurance

June 16, 2022

Having your own home is considered an investment, so it’s your responsibility as a homeowner to protect it. A house can experience many issues, and roofing damage is one of the most common. If your home is insured, you might think to call your provider because they’ll take care of the expenses. However, it’s arguably better to call a roofer first.

An insurance company can only pay up to what you’ve insured your home for. While it’s true that you might have a significant insurance policy for your house, any roof damage can reduce your total coverage. On the other hand, having a roofer fix the issue can prevent you from dealing with an expensive insurance payout. In turn, you can avoid losing a lot of money.

If you don’t see how this can help you, here are some reasons why you should call a roofer first before your insurance company:

#1 – Their Expertise

Insurance companies provide an option for everything, but they won’t be your best option for every problem. For example, if your roof leaks and you want them to fix it, they’ll send a technician to check it out. If, after doing that, they decide that you need a new roof, they won’t pay for the entire thing. Instead, they’ll pay for a percentage they think would be ideal. The only problem with this is that their idea of what’s ‘ideal’ might not be in your best interest.

Instead, you should call a roofer who can assess your situation. If you need a new roof, they’ll tell you. If you don’t, they’ll fix the issue and save you a lot of money.

#2 – Assistance with Filing an Insurance Claim

Roofers know when it’s time to file an insurance claim. When this happens, you have to have all the documents needed. You also have to be prepared to describe the damage.

For example, if it’s a leak or a roof hole, you must provide precise measurements. Insurance companies need this information, and you need it to get the coverage you want.

No one knows these details better than roofers, who inspect houses regularly. They’ll have all the information you need to pass along to your insurance company, so you’d do well to have them by your side when this happens.

#3 – They Also Have Insurance

The roofer you choose to fix your roof will have insurance, which means that any damage they cause to your home is covered. This is important because if your roofer leaves any damage behind, you’ll be reimbursed for the damages.

While insurance companies are professional, it’s harder for them to find a fair solution when things go wrong. In some cases, they can even decide to blame you for the damage. This is one of the reasons why you shouldn’t always trust your insurance company with the repairs.

Roofers, on the other hand, have insurance and will fix any damage they cause. You won’t have to pay out of pocket, and they’ll even help you file a claim to get the full coverage you deserve.

#4 – Repairs Are Guaranteed

An insurance company might sometimes pay you for your repairs, but they won’t guarantee the work. If so, they’ll cover the cost of the new roof, but they won’t pay to reinstall it.

A roofer will ensure that the installation is done right because they’ll want to ensure that it was their work that was faulty. If it turns out that the installation didn’t meet their standards, they’ll fix it for you. This is another way in which roofers are better than insurance companies.


Insurance companies are great in many cases, but they should be your last resort regarding roofing. Whenever possible, you should call a roofer first. This way, you can get the assistance you need from an expert who has worked with insurance companies.

If you’re looking for roofers in Pelham, AL, Cardinal Roof can help you! Our professional roofing contractors will ensure that your home’s roof is installed, maintained, and repaired properly, all for affordable prices. Reach out today to get a quote!