How to File a Roof Insurance Claim in Utah

Filing a roof insurance claim in Utah can feel overwhelming — especially right after a stressful storm event. We've helped hundreds of Utah homeowners navigate this process. Here's exactly what to do, step by step.

Step 1: Call a Licensed Roofing Contractor First

Before you call your insurance company, call a licensed Utah roofing contractor for a free inspection. This is the most important step most homeowners skip. A professional inspection gives you an independent assessment of the damage before the insurance company's adjuster arrives — so you know what to expect and can advocate for a complete repair or replacement.

Step 2: Document Everything

Take photos and video of all visible damage — shingles, gutters, vents, flashing, and any interior water damage. Note the date and time of the storm. Lake Mountain Roofing provides written damage reports with photos as part of our free inspection service. This documentation becomes part of your claim file.

Step 3: File Your Claim Promptly

Contact your insurance company and file a claim. Most policies have a claim window of 1–2 years from the date of the storm event, but filing sooner is always better. The insurance company will assign a claim number and schedule an adjuster inspection.

Step 4: Have a Contractor Present at the Adjuster Inspection

This is critical. Insurance adjusters are not always roofing experts, and their initial scope of damage can miss significant issues. Having a licensed roofing contractor present during the adjuster visit ensures all damage is documented and included in the initial scope. Lake Mountain Roofing attends adjuster meetings at no charge to our customers.

Step 5: Review the Claim Settlement

Once the adjuster provides their assessment, compare it to your contractor's estimate. If there are significant discrepancies, you can request a supplemental claim or dispute the assessment. Your insurance company is required to pay for a complete repair to pre-storm condition — not just a patch job.

Step 6: Choose Your Contractor and Schedule the Work

You are NOT required to use a contractor chosen by your insurance company. You can hire any licensed Utah contractor you choose. Make sure whoever you hire pulls the required permits and provides both material and workmanship warranties.

Need help with your Utah roof insurance claim? Lake Mountain Roofing guides you through every step at no extra cost. Call (385) 312-6043.