Insurance Approved Roofers

Roof damage is stressful, but navigating the insurance process doesn’t have to be. We specialize in insurance-covered roof repairs, replacements, and installations, ensuring your home gets the care it needs with minimal out-of-pocket costs.

In 2023, there were 6,962 hail events reported in the U.S., an increase from 4,436 in 2022

We Work with Home Insurance

We work directly with your home insurance company to make roof repairs and replacements seamless and stress-free, handling inspections, claims, and restorations efficiently.

Comprehensive Storm Damage Statistics: Hail, Wind, and Winter Impact on Utah Roofs

“In 2022, State Farm paid out over $3.5 billion in hail damage property claims, reflecting the substantial impact of hailstorms on properties nationwide.”

“Between 2017 and 2021, severe weather events caused approximately $121.4 billion in property damage across the U.S., averaging around $24.3 billion annually.”

“On average, winter storms cause about $1.9 billion in damage each year. Notably, in 2021, winter storms caused approximately $24 billion in damage”

“In 2024, Utah experienced significant property damage due to winter storms, with estimated losses totaling approximately $2.5 million”

Insurance-Covered Roof Replacements: We Work Directly with Your Insurance Company

Inspection

We thoroughly assess your roof for storm, hail, or wind damage and provide a detailed report for your insurance claim.

Insurance Claim

We guide you through the insurance process, ensuring you get the coverage you deserve.

Roof Replacement

Once approved, we replace your roof with top-quality materials, often with minimal out-of-pocket costs.

Protect Your Home with Insurance-Approved Roofing Solutions

Did you know your homeowner’s insurance policy may cover roof damage caused by storms, hail, wind, or other unforeseen events? At Insurance Approved Roofers, we specialize in working directly with insurance companies to ensure your roof is restored to its original condition – or better – without you having to stress about the process.

What Does Insurance Cover?

Homeowner’s insurance policies typically cover roof damage resulting from unexpected events or natural disasters. While coverage varies, most policies include:

Storm Damage

High winds, heavy rain, and hail often result in broken shingles, leaks, or punctures, which are typically covered by insurance.

Tree branches or debris from storms can cause punctures or structural damage, commonly included in coverage.

Strong winds may loosen or blow away shingles, exposing your roof to further harm—usually covered by standard policies.

Leaks caused by storm-related damage are often covered, including repairs to interior areas affected by water intrusion.

 

Roof damage from lightning, such as burns or punctures, is generally included in most insurance policies.

 

Top Rated Roofs for Every Home®

Starting Rates

$10,000(change)

  • Repairs address damage from storms, hail, and wind with precision and care.

  • We handle all inspections, paperwork, and communication with insurers.

  • Fully restored roofs maintain or even increase your home’s value.

  • GAF-certified experts deliver high-quality, reliable craftsmanship.

  • Warranties provide long-term peace of mind and security.

  • Minimal disruption to your daily life with efficient, seamless processes.

  • Premium materials deliver a polished and professional finish every time.

How Do Insurance-Covered Roofs Protect Your Home?

Insurance-covered roofs restore your home’s safety and functionality after damage, ensuring repairs or replacements with minimal cost to you while maintaining protection and value.

Restored Durability

Insurance-covered repairs or replacements ensure your roof can withstand harsh weather with long-lasting performance.

Cost Relief

Coverage reduces the financial burden of repairs or replacements, protecting your budget.

Peace of Mind

Professional repairs backed by warranties guarantee your home’s safety and security.

Benefits of Working with Top Rated Roofs

Expert Inspections

We ensure all covered damage is accounted for in your claim.

Hassle-Free Claims

We manage the paperwork and communicate directly with your insurer.

Top-Quality Work

Repairs and replacements are completed with premium materials by certified professionals.

Warranties Included

All work is backed by warranties for added peace of mind.

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Frequently Asked Questions About Top Rated Roofs

What types of roof damage does insurance cover?

Most policies cover damage caused by storms, hail, wind, or falling debris but exclude normal wear and tear.

 

The timeline varies, but we work to expedite approvals so repairs or replacements can begin promptly.

 

Yes, you can choose to upgrade materials by covering the cost difference beyond your policy’s coverage.

 

We can assist by providing additional documentation or clarifying the damage to support an appeal with your insurer.

 

Insurance may cover full replacements if the damage is extensive and beyond repair, depending on your policy terms.

 

Repairs usually begin within a few days of approval, depending on scheduling and material availability.

 

Let’s Make Things Happen

Ready to protect your home with a roof built to last? At Top Rated Roofs, we combine expertise, premium materials, and exceptional service to deliver results you can trust. Let’s work together to create a roof that keeps your home safe and secure for years to come.

“Trust is the foundation of every roof we install. At Top Rated Roofs, we’re committed to delivering protection, quality, and peace of mind you can count on.”

The Top Rated Roofs Team
Jonathan Rose

Get a Free On-Site Roof Inspection

We’ll provide a free quote, determining whether you need repairs or a replacement. Protect your property with trusted guidance.

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