A free, no-signup-required estimate of how likely your roof claim is to pay out. Built by Benefitra, a licensed insurance brokerage operating in all 50 states.
We don't sell roofs and we don't profit from claims. Most homeowners file blind — adjusters deny 40-60% of roof claims because the homeowner couldn't show damage was sudden and storm-related rather than gradual wear. This tool tells you where you stand before you pick up the phone.
Age and material drive 60% of the underwriter's decision before anyone even looks at the damage.
Check every sign that applies. Some signs strongly support claim approval; others suggest gradual wear (rarely covered). Be honest — adjusters will inspect anyway.
Late notification and high claim frequency are two of the most common denial reasons. Both are usually fixable if caught early.
Updates live as you change inputs above. These are heuristic estimates based on industry approval patterns, not specific to your carrier or policy.
Filing a claim on a roof that won't be approved costs you nothing on paper but raises your loss-history record — which hurts renewal premiums for years. We'll send an independent inspector to verify the damage and tell you whether to file before you do.
We'll never share your info. You'll hear from a licensed Benefitra advisor within 1 business day. Free assessments are subject to service-area availability.
How this estimate works. This tool combines your roof characteristics, damage signs, and claim history with industry approval patterns to produce a heuristic probability. Actual claim outcomes depend on your specific carrier, policy language, deductibles, and adjuster determination. Benefitra is a licensed insurance brokerage; this calculator is for informational purposes only and does not constitute insurance advice or a coverage determination. We do not write or service property insurance directly — our brokerage focuses on employee benefits, with referral relationships for personal-lines guidance.