Roof Insurance Claim Checks: What to Do and Why It Matters
When your roof gets damaged due to a storm, hail, or other unexpected events, filing an insurance claim can feel overwhelming. Once your claim is approved, you receive a roof insurance claim check. So, what do you do with it? Performance Roofing and Siding breaks down the process and helps you make the most of your roof insurance claim check.
What Is a Roof Insurance Claim Check and How Does It Work?
Think of a roof insurance claim check as a payment from your insurance company to cover the cost of roof repairs or replacement after damage. Typically, this check covers the estimated cost minus your deductible. Sometimes, it’s issued directly to you, but it may also be made payable to both you and your mortgage company, if you have one. Learn more about that here.
Why Do Homeowners Receive Two Roof Insurance Claim Checks?
It’s pretty common to get two checks when you file a roof insurance claim. The first check is usually an initial payment to get repairs started, while the second check is issued once the work is completed. This two-part payment system ensures that contractors are compensated fairly and that you, the homeowner, follow through with the necessary repairs.
Why It’s Important to Cash Your Roof Insurance Claim Check Promptly
One mistake homeowners often make is not cashing the roof insurance claim check right away. You might hesitate because you’re unsure what to do next or are worried about using it correctly. But cashing that check promptly is essential. If you don’t, it can delay the repair process and leave your home vulnerable to more damage. Just make sure to follow any specific instructions from your insurance company or mortgage lender before cashing it.
How to Use Your Roof Insurance Claim Check the Right Way
⚠️ Using your roof insurance check for anything other than repairs could result in claim denials or issues with your mortgage lender.
Let’s be honest—getting a check for a significant amount can feel like a windfall, especially if the damage to your roof looks minimal. You might think of using it for something else, but that could be a big mistake. Insurance checks are specifically designated for roof repairs or replacements, and using the funds for other expenses can have serious consequences. Misusing that money could result in future claim denials or even legal issues with your mortgage lender.
What to Do If Your Mortgage Company Is on the Insurance Check
💬 Quick Tip: Always check who the check is made out to before cashing it.
If your mortgage company is listed on the check:
- Endorse the check and send it to your lender
- Funds are often placed into escrow
- Money is released in stages as work is completed
- You may need to submit photos, invoices, or inspection reports
What If Your Roof Insurance Claim Check Isn’t Enough?
Sometimes, your roof insurance claim check may not fully cover the repair or replacement costs. This can happen if your insurance policy has limitations or if the estimated repair cost was lower than expected.
If this is the case, you might need to negotiate with your insurance company for a supplemental claim. It’s also a good idea to have a trusted roofing contractor, like Performance Roofing and Siding, inspect the damage and provide a thorough estimate to support your case.
Choosing the Right Roofing Contractor After a Storm
After receiving your roof insurance claim check, the next step is finding a reliable contractor. Be wary of storm-chasing contractors who swoop in after a major weather event. They might offer quick fixes, but these can be costly mistakes if the contractor isn’t licensed or insured.
Instead, choose a reputable local company like Performance Roofing and Siding. We have the experience, certifications, and customer reviews to back up our quality work.
🛠 Don’t Let Insurance Confusion Delay Your Roof Repairs
We’ve helped Michigan homeowners handle insurance claims the right way since 1996.
📍 Pontiac | Ann Arbor | Grand Rapids
❓Frequently Asked Questions About Roof Insurance Checks
What is a roof insurance claim check?
A roof insurance claim check is a payment from your insurance company to cover roof repairs after storm damage. It often comes in two parts: one to start the work and another when it’s finished.
Can I keep the money?
No, it must be used for roof repairs. Misusing the funds can result in penalties from your insurance provider or mortgage lender. And worse, future claims could be denied.
How long until I get the second check?
Typically, after the work is completed and inspected by your insurance provider.
Protect Your Investment with Performance Roofing and Siding
Roof damage and insurance claims can be stressful, but handling your roof insurance claim check doesn’t have to be. At Performance Roofing and Siding, we’ve been helping homeowners in Pontiac, Ann Arbor, and Grand Rapids since 1996. If you’re unsure about the process or need reliable repairs, our team is here to help.
Ready to protect your home and peace of mind? Contact Performance Roofing and Siding today for expert help with your roof insurance claim and repairs. Don’t let storm damage compromise your home!
* NOTE: Performance Roofing and Siding and its authorized representatives are NOT acting as Public Insurance Adjusters and will not negotiate with insurance on the Customer’s behalf.
This blog is intended for informational purposes only and should not be considered professional insurance or legal advice. Always consult with your insurance provider or a legal professional for guidance on your specific situation.