Maximize Your Insurance Settlement After Roof Damage

Maximize Your Insurance Settlement After Roof Damage

Stewart Severino
February 7, 2024
Claims Handling
Home Owner Help
Maximize Your Insurance Settlement After Roof Damage

For many property owners, discovering a roof leak is a nightmare come true. Roof repairs and replacements are daunting and costly. Fortunately, a good Public Adjuster can ensure that your homeowner’s insurance pays you an adequate settlement to reduce out-of-pocket costs.

Navigating Roof Claims

Roof damage can range from a few missing shingles to structural issues that require replacing the roof entirely. Whether it's a serious hail storm, a fallen tree branch, or the passage of time, the type and cause of your roof damage helps determine whether the insurance company will cover repairs or even a full roof replacement. Your policy document outlines the types of roof damage that are and are not covered by the carrier (Schlichter , 2023). 

Minor or Major Roof Repairs: How to tell the difference?

Minor repairs do not always require an insurance claim. Most folks prefer to DIY minor roof repairs since basic tools and materials can be used and the repairs do not require specialized knowledge or training. Professionals are contracted for minor repairs mostly due to time savings or concerns about safety.

Minor roof repair cost anywhere from $150 to $400, while major repairs head toward $7,000 and above (Forbes, 2023).

According to This Old House, the current national average of roof repairs in America is $1,067 (2023). But as with anything, the final cost of a repair depends on factors like roofing materials, labor costs and the size of your roof.

Minor Repair Examples
  • Cleaning Gutters
  • Patching a small leak
  • Replacing missing or cracked shingles
  • Patching a puncture or hole
  • Pooled water cleanup
  • Replacing or resealing flashing (small holes, corroded spots)

As a word of caution, a minor roof repair can easily become a major one if it is neglected or performed incorrectly.

Major Roof Repair

Major repairs can not only trigger an insurance claim due to cost, but they also require professional expertise and specialized materials. Depending on where the house is located, permits and inspections throughout the repairing process may also be required. Any repairs needing extensive electrical, plumbing, HVAC or engineering work are considered major repairs. Major repairs also includes structural failures (potential and realized), roof or structure renovations and any fixing of safety hazards.

Major Repairs Examples
  • Storm damage
  • Electrical wiring problems
  • Extensive water damage
  • Fallen tree branch that hits the roof
  • Roof shrinkage or roof sagging
  • Chimney repair
  • Total replacement of flashing

Documenting Damage

It’s important when spotting damage to take photos, videos, and detailed notes before contacting the insurance carrier. Detailed documentation can be a crucial tool if insurance companies balk at covering the cost for damages.

Public Adjusters can act as effective advocates on behalf of the homeowner by collecting documentation and then negotiating with the insurance company on the intricacies of coverage under your policy.

The Role of a Public Adjuster

The Insurance Information Institute identifies a Public Adjuster as “an independent insurance professional that a policyholder may hire to help settle an insurance claim on his or her behalf” (n.d.). More specifically, a Public Adjuster can help policyholders navigate the complex world of insurance claims, acting as a liaison between the insurance company and the policyholder. 

A Public Adjuster is different from an insurance adjuster and an independent adjuster, however. (Sometimes a Public Adjuster may also be referred to as a “private adjuster” — either way their function is to support the policyholder in negotiations.)

Hiring a Public Adjuster for Roof Claims

Because Public Adjusters are trained and licensed in specific states, they can use their expertise to identify roof damages that the insurance adjuster might overlook. They are also trained on the intricacies of the claims process and have experience working with local, regional, and nationwide insurance companies (Texas Department of Insurance, 2022).

Most Public Adjusters work on a contingency fee basis. That means they only get paid if a homeowner does. Because rates can vary according to state regulations, your Tiger Adjuster representative will always present the cost of services upfront and in writing. Just like finding a good roofer or mechanic, word of mouth and online reviews are important pieces of homework to finding a reputable Public Adjuster. You can check ours out here.

Contact Tiger Adjusters

Our team at Tiger Adjusters is ready to help maximize your roof claim settlement. CONTACT US



Insurance Information Institute. (n.d.). What is a Public Adjuster? Insurance Information Institute. Retrieved December 19, 2023, from 

Perry, C. Tynan C. (2023, July 5). How Much Does Roof Repair Cost? Forbes. Retrieved from

Schlichter , S. (2023, February 21). Does Home Insurance Cover Roof Leaks? Nerdwallet. Retrieved December 19, 2023, from 

Texas Department of Insurance. (2022, August 12). Insurance and your roof: What to know when buying a policy or filing a claim. Texas Department of Insurance. Retrieved December 19, 2023, from 

This Old House Reviews Team. (2023, Aug 24). What is the Cost of Roof Repair. This Old House. Retrieved from

Stewart Severino
Stewart Severino has 25 years experience in MarTech and Innovation where he has lead a number of startups and corporate initiatives developing audiences, acquisition, retention, and customer lifecycles. In addition, he holds a Masters of Arts in Christian Leadership from Dallas Theological Seminary


How much can I expect to pay a Public Adjuster?
How much can I expect to pay a Public Adjuster?
Most Public Adjusters work on a contingency fee basis. Typically, they charge a percentage of the settlement, often ranging from 5% to 20%. That means they only get paid if you do. Rates can vary, so always clarify upfront.
What qualifications should I look for in a good Public Adjuster?
What qualifications should I look for in a good Public Adjuster?
Experience, references, good communication skills, and a fair fee structure. All of which Tiger Adjusters representatives offer.
Will my insurance rates go up if I hire a Public Adjuster?
Will my insurance rates go up if I hire a Public Adjuster?
Hiring a Public Adjuster won't affect your rates. However, depending on your policy making a claim might affect your rates.
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