COMPREHENSIVE GUIDE
ROOF REPLACEMENT PROCESS
1 Page
KEYWORDS: homeowners insurance, roof insurance, roof inspection, roofing contractor, roof replacement
For more information visit Homeowners Insurance - How to File a Roof Insurance Claim

Comprehensive Guide on Roof Replacement Process
STEP 1 – Call a trusted local roofing contractor and get a free roof inspection from an
insurance claim specialist
You will get someone who will do a free roof inspection and say something to the effect of, “extensive
evidence indicates that a roof replacement is necessary to ensure the safety and integrity of the
property. The homeowner must understand that neglecting this issue may lead to further complications,
such as water leakage, mold growth, and compromised structural stability. Therefore, it is strongly
advised to promptly arrange for a professional roof replacement to safeguard the property and its
occupants.”
STEP 2 – Homeowners insurance will provide you with a new roof
Homeowners insurance plays a crucial role in safeguarding one's property, providing financial protection
against unforeseen damages. From the approval of underlayment types to the final reimbursement, we
will delve into the intricate details of this process. Many times a reliable roofing contractor will have fast
roof insurance claims for the homeowner so they can get back to living a comfortable life during a time
of crisis.
I. Understanding Homeowners Insurance Coverage for Roof Replacement:
1.1 Definition and Importance: Homeowners insurance coverage for roof replacement refers to the
policyholder's entitlement to financial assistance in replacing a damaged or deteriorated roof. This
coverage is essential as it ensures the structural integrity of the property and protects against potential
water damage, mold growth, and other related issues.
1.2 Policy Evaluation: When a homeowner files a claim for a new roof replacement, the insurance
company evaluates the policy to determine the coverage eligibility. This evaluation includes assessing the
policy's terms, conditions, and exclusions related to roof replacements.
II. Approval Process for Underlayment Types:
2.1 Underlayment Importance: Underlayment is a critical component of a roof system, providing an
additional layer of protection against water infiltration. Insurance companies typically have specific
requirements regarding the type of underlayment they approve for coverage.
2.2 Insurance Company Guidelines: To ensure approval for underlayment, homeowners should consult
their insurance policy or contact their insurance provider directly. Insurance companies often have a list
of approved underlayment types, such as synthetic underlayment or asphalt-saturated felt, which meet
their standards for durability and water resistance.
2.3 Professional Roofing Contractor: Working with a professional roofing contractor will have affordable
roofing services for residents. It is crucial to find a budget friendly option during the approval process.
They can provide guidance on selecting underlayment that meets both the insurance company's
requirements and local building codes.
COMPREHENSIVE GUIDE
ROOF REPLACEMENT PROCESS
2 Page
KEYWORDS: homeowners insurance, roof insurance, roof inspection, roofing contractor, roof replacement
For more information visit Homeowners Insurance - How to File a Roof Insurance Claim
III. Filing a Claim for Roof Replacement:
3.1 Damage Assessment: To initiate the claim process, homeowners must contact their insurance
company and provide detailed information about the roof damage, or storm damage (many times
roofing contractors provide emergency roof repair – at which point they can document damage for the
homeowner). The insurance company may send an adjuster to assess the extent of the damage and
determine if a new roof replacement is necessary.
3.2 Documentation: Homeowners should document the damage by taking photographs and keeping
records of any previous repairs or maintenance. This documentation will support the claim and help
ensure a smooth process.
3.3 Obtaining Estimates: Insurance companies typically require homeowners to obtain multiple
estimates from licensed roofing contractors. These estimates should include the cost of materials, labor,
and any additional expenses related to the roof replacement.
IV. Approval and Reimbursement:
4.1 Approval Process: Once the insurance company reviews the claim, including the damage assessment
and estimates, they will determine whether to approve the new roof replacement. This decision is based
on the policy's terms and conditions, as well as the extent of the damage.
4.2 Reimbursement: If the claim is approved, the insurance company will provide reimbursement for the
covered expenses. The reimbursement amount may be based on the actual cash value (ACV) or the
replacement cost value (RCV) of the roof, depending on the policy terms.
By adhering to insurance company guidelines, documenting the damage, and working with professional
roofing contractors and insurance claim adjusters, homeowners can navigate the process more
effectively. Remember, each insurance policy may have specific requirements, so it is essential to review
your policy and consult with your insurance provider for accurate and up-to-date information.
STEP 3 – How a new roof installation happens after homeowners insurance/homeowner pays
the local roofer
Installing a new roof is a complex process that requires careful planning, skilled labor, and the use of
various roofing products.
INSTALLING A NEW ROOF this means we need to remove the existing roof materials. This involves
stripping off the old shingles, underlayment, and any other roofing components. It is important to ensure
that the roof deck is clean and free from any debris before proceeding to the next step. The different
roof installations range from shingle, tile, metal, foam and roof coatings.
INSTALLING UNDERLAYMENT this acts as a waterproof barrier and provides an extra layer of protection
against leaks. There are different types of underlayment available, such as asphalt-saturated felt,
synthetic underlayment, and rubberized asphalt membrane. The choice of underlayment depends on
factors such as climate, budget, and personal preference.
INSTALLING ROOFING SHINGLES/TILE after the underlayment is installed, the next layer is the roofing
material itself. There are several options available for roofing materials, including asphalt shingles, metal
COMPREHENSIVE GUIDE
ROOF REPLACEMENT PROCESS
3 Page
KEYWORDS: homeowners insurance, roof insurance, roof inspection, roofing contractor, roof replacement
For more information visit Homeowners Insurance - How to File a Roof Insurance Claim
roofing, clay or concrete tiles, and slate. Each material has its own advantages and disadvantages, and
the choice depends on factors such as durability, aesthetics, and budget.
INSTALLING SHINGLE ROOF is typically installed in overlapping rows. The shingles are nailed to the roof
deck using roofing nails, and special attention is given to ensure proper alignment and sealing. Metal
roofing, on the other hand, is installed in large sheets or individual panels, which are secured to the roof
deck using screws or clips. In addition to the primary roofing material, there are other components that
contribute to the overall performance and longevity of the roof. These include flashing, vents, and ridge
caps. Flashing is used to seal joints and prevent water penetration, while vents allow for proper
ventilation and prevent moisture buildup. Ridge caps are installed at the peak of the roof to provide a
finished look and protect against wind and water damage.
ROOF SEALING is the final step is to ensure that the roof is properly sealed and protected. This involves
applying a protective coating or sealant to the roof surface, which helps to enhance durability and
weather resistance. The choice of coating or sealant depends on the specific roofing material used and
the desired level of protection.
In conclusion, installing a new roof involves a series of steps that require careful planning, skilled labor,
and the use of various roofing products. From removing the old roof materials to installing the
underlayment, roofing material, and additional components, each layer plays a crucial role in providing a
durable and weather-resistant roof. By understanding the process and choosing the right materials,
homeowners can ensure a successful roof installation that will protect their property for years to come.

Have more questions? Need answers? Want a free roof inspection?
Contact a Local Roofing Contractor
Advanced Roofing, LLC.
Services Include: Shingle, Tile, Flat, Foam and Metal Roof Installation
Licensed, Bonded and Insured: ROC 311509
Gilbert Location: 137 E Elliot Rd Unit 2262, Gilbert, AZ 85234
Hours of Operation: Monday – Saturday 9am – 5pm
Arizona Entity ID: L21542817