When hail or wind damages your roof in Utah, your homeowner's insurance may cover the repair or replacement. Homer Roofing provides free storm damage inspections and walks you through the documentation your insurance company requires. We have helped Utah homeowners in Cache Valley, Northern Utah, Davis County, and the Wasatch Front understand their coverage and get fair assessments since 2003. We are GAF Master Elite certified and carry a 4.9-star rating across 247 reviews. We assist you through the process. You file and manage your own claim.
Navigating insurance claims is confusing and time-consuming. We take the burden off your shoulders.
Our insurance claim assistance is included at no additional charge. We're paid from your approved claim.
We know exactly what insurance companies need—photos, measurements, and damage reports that meet their requirements.
We meet with adjusters in person to ensure all damage is properly identified and fairly assessed.
If your claim is underpaid or denied, we help you appeal with the documentation needed to get approved.
We guide you through every step, from initial inspection to completed repairs.
We inspect your roof thoroughly and document all damage with photos and detailed notes that insurance companies require.
We help you understand your policy, file your claim correctly, and provide all necessary documentation to your insurance company.
We meet with your insurance adjuster on-site to walk through the damage and ensure nothing is overlooked in their assessment.
If the initial estimate is too low, we advocate on your behalf with supplemental documentation to get fair coverage.
Once approved, we complete your roof work to the highest standards, backed by our lifetime workmanship warranty.
Most homeowner's policies cover roof damage from sudden, accidental events—not normal wear and tear. Common covered perils include:
Not sure if your damage is covered? We'll inspect your roof and give you an honest assessment of whether you have a valid claim.
Insurance companies require specific documentation to approve claims. Our inspections include:
Homeowner's insurance typically covers roof damage caused by sudden events like hail, wind, fallen trees, or ice dams. It does not cover damage from normal aging or deferred maintenance. Whether your claim is approved depends on your specific policy, your deductible, the age of your roof, and the extent of the damage. Homer Roofing inspects your roof and gives you an honest assessment of whether you have a valid claim before you contact your insurer.
An Actual Cash Value (ACV) policy pays what your roof is worth today after depreciation. If your roof is 15 years old, you may receive significantly less than the cost of a new one. A Replacement Cost Value (RCV) policy pays the full cost to replace your roof with a comparable new one. Check your declarations page or call your agent to confirm which type you have. It matters a lot when your claim is approved.
A denied claim is not always final. Denials often happen because documentation was incomplete or damage was not properly identified during the adjuster visit. We can review your denial letter, help you gather supplemental documentation, and support your appeal. Many homeowners in Utah have had claims approved on appeal with the right evidence.
You are typically responsible for your deductible only. Our inspection is free. Our claim assistance is included at no additional charge. We are paid from your approved claim proceeds after the work is complete. There are no hidden fees.
Most straightforward claims in Utah are processed within 2 to 4 weeks from the date of inspection. Complex claims or appeals can take longer. Utah insurance law requires carriers to acknowledge claims promptly and respond to communications. We stay in contact with your insurer throughout and keep you informed at every step.