🏠 Roofing

Roof Insurance Claims — How the Process Works

Spokane gets significant hail most summers. A full roof replacement claim is one of the most significant insurance events a homeowner navigates. Here is how to do it right.

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What's Covered

  • ✓ Photograph all damage before any repairs are made
  • ✓ Open a claim with your carrier within 24–48 hours
  • ✓ Have your roofer present during the adjuster inspection
  • ✓ ACV check is initial — RCV holdback paid after work is done
  • ✓ Never sign an Assignment of Benefits before the claim settles

Typical Costs in Spokane

ACV payoutReplacement cost minus depreciation
RCV holdbackReleased after completed work + invoice
Your deductible$1,000 – $5,000 — owed regardless of claim size
Waived deductible offerInsurance fraud — walk away immediately

Common Questions

What is the difference between ACV and RCV?
ACV deducts depreciation from your roof's replacement cost. RCV covers full replacement. Most policies include RCV — but you must complete repairs and submit the invoice to collect the holdback.
Do I have to use the insurer's preferred contractor?
No. You choose your own licensed contractor in WA and ID. Your contractor works from the insurance estimate and can supplement if additional damage is found during installation.
How do I spot a storm chaser?
Waiving your deductible (fraud), same-day pressure to sign, no local office, requesting Assignment of Benefits on day one. Verify any roofing contractor at WA Labor & Industries before signing anything.

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