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Roof insurance · Claim diagnostic

Will my roof insurance claim be approved?

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.

Step 1 — Your roof

Roof basics

Age and material drive 60% of the underwriter's decision before anyone even looks at the damage.

Step 2 — What you're seeing

Damage signs

Check every sign that applies. Some signs strongly support claim approval; others suggest gradual wear (rarely covered). Be honest — adjusters will inspect anyway.

Step 3 — Timing

When and how often

Late notification and high claim frequency are two of the most common denial reasons. Both are usually fixable if caught early.

Your estimate

Claim outlook

Updates live as you change inputs above. These are heuristic estimates based on industry approval patterns, not specific to your carrier or policy.

Approval likelihood
—%
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Typical payout range
$—
Based on material and damage scope from your inputs.
Factors driving your estimate
Start by filling out the form aboveLive estimate appears here.
Documentation checklist
Wide-angle photo of the full roof from each side (ground level OK)
Close-up photos of every damage sign you flagged above
Photos of any ceiling stains or interior water signs
Photo of gutter contents (granule pile = age evidence, debris = storm evidence)
Receipts for any emergency tarp or temporary repair
Date/time stamp on photos — most phones do this automatically

Recommended next step

Fill out the form to see what we'd suggest.

Free in-home assessment

Get a real verdict before you call your insurer

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.