By Beauchemin Roofing Ltd. | Updated for 2025-2026
When a storm, fallen tree, or sudden event damages your roof, your home insurance policy is there to help cover the cost of repairs or replacement. But navigating the claims process can feel overwhelming, especially when you are dealing with the stress of a damaged home. This guide walks you through the process step by step — and explains how Beauchemin Roofing helps our customers get fair results from their insurance companies.
Step-by-Step: Filing a Roof Insurance Claim
Document the Damage Immediately
As soon as it is safe, take photos and video of all visible damage — both exterior (roof, gutters, siding) and interior (water stains, ceiling damage, wet insulation). Use your phone's timestamp feature. Take wide-angle shots that show the overall extent and close-ups of specific damage areas. This documentation is the foundation of your claim.
Prevent Further Damage
Your insurance policy requires you to take reasonable steps to prevent additional damage. This means covering exposed areas with tarps, placing buckets under active leaks, and moving belongings away from water. Call Beauchemin Roofing at 250-202-2541 for emergency tarping — this is considered a legitimate claim expense.
Contact Your Insurance Company
Report the damage to your insurance company as soon as possible — most policies require notification within a specific timeframe. Have your policy number ready and be prepared to describe the event (storm date, what happened) and the damage. Ask for a claim number and the name of your assigned adjuster.
Get a Professional Roof Assessment
Contact Beauchemin Roofing for a thorough damage assessment. Chea will inspect the entire roof, identify all storm-related damage (some of which may not be visible from the ground), and provide a detailed written report with photos. This independent assessment ensures nothing is missed when the insurance adjuster arrives.
Meet with the Insurance Adjuster
Your insurance company will send an adjuster to assess the damage. We recommend being present during this inspection, and we are happy to meet with the adjuster on-site to walk through the damage together. Having a professional roofer present ensures that all damage is properly identified and documented.
Review the Settlement and Proceed
Once the insurance company approves the claim, review the settlement amount carefully. If it does not cover the full scope of necessary repairs, you have the right to negotiate. We can provide additional documentation or a detailed estimate to support a supplemental claim. Once approved, we schedule and complete the repair or replacement.
What Is Typically Covered
✓ Usually Covered
- ► Storm and wind damage (missing shingles, lifted flashing)
- ► Hail damage to roofing materials
- ► Fallen trees and large branches
- ► Fire and lightning damage
- ► Weight of ice or snow (structural damage)
- ► Vandalism
- ► Emergency tarping costs
- ► Interior water damage from a covered roof event
✗ Usually NOT Covered
- ► Normal wear and tear over time
- ► Gradual deterioration or aging
- ► Moss damage from neglected maintenance
- ► Poor installation by previous contractors
- ► Damage from lack of maintenance
- ► Cosmetic damage that does not affect function
- ► Damage from unpermitted modifications
- ► Pre-existing damage before the policy start date
How Beauchemin Roofing Helps with Claims
We have helped dozens of homeowners in Campbell River and surrounding areas navigate roof insurance claims. We know what insurance companies need to see, and we make sure you have it:
Detailed Damage Reports
We document every area of damage with professional-quality photos and a written assessment that insurance adjusters respect and understand.
Accurate Scope of Work
Our estimates include a complete, itemized scope of work that covers everything needed to properly restore your roof — nothing inflated, nothing missing.
Adjuster Coordination
We meet with your insurance adjuster on-site to walk them through the damage and answer any technical questions about the repair scope.
Supplemental Claims
If hidden damage is discovered during the repair (rotted decking, for example), we document it and help you file a supplemental claim to cover the additional cost.
Documentation Tips for Homeowners
- ✓ Before the storm: Keep photos of your roof in good condition — these "before" images make claims much stronger
- ✓ Document the event: Note the date, time, and type of event (windstorm, tree fall, etc.) and keep any weather reports or warnings
- ✓ Save all receipts: Emergency tarping, temporary repairs, hotel stays if you had to evacuate — these are all potentially claimable expenses
- ✓ Keep a written timeline: Record every call with your insurance company, including the date, who you spoke with, and what was discussed
- ✓ Do not discard damaged materials: Your insurance adjuster may want to inspect damaged shingles, flashing, or decking sections
Working with Adjusters
Insurance adjusters are professionals doing their job, and a cooperative approach gets the best results. Here are our recommendations:
- ► Be present during the adjuster's inspection and ask questions
- ► Point out all damage areas — adjusters sometimes miss damage on rear-facing slopes or in less visible areas
- ► Have your roofer's assessment ready for comparison
- ► Ask the adjuster to explain their assessment method and any items they are not including
- ► If you disagree with the assessment, you have the right to request a re-inspection or independent appraisal
- ► Never sign a final release until you are satisfied the claim covers the full scope of repair
