Connecticut Roof Insurance Claims: The Complete Homeowner's Guide

Connecticut standard homeowner's policies cover roof damage caused by:

• Hail — The most common CT claim trigger.
• Wind — Shingles blown off, flashing separated, ridge cap damage.
• Fallen trees or branches — Even if the tree is from your neighbor's yard.
• Lightning strikes — Including fire damage from lightning.
• Ice dam damage — Covered as a sudden event.
• Weight of ice and snow — Structural damage from snow load.

Not typically covered: Normal wear and tear, maintenance neglect, gradual deterioration, manufacturer defects.

Step 1: Document the damage immediately after the storm
Photograph everything before any cleanup. Date-stamp all photos.

Step 2: Get a professional inspection BEFORE calling your insurer
Call Roof Next for a free emergency inspection. We find damage adjusters routinely miss.

Step 3: File your claim promptly
Most Connecticut policies have a 30–60 day prompt notice requirement.

Step 4: Schedule the adjuster visit — and be there
Have Roof Next present. Our representatives speak the technical language of adjusters.

Step 5: Review the Scope of Loss carefully
Review every line. If items are missing or undervalued, dispute them.

Step 6: Supplemental claims
Additional damage discovered during tear-off is typically covered through a supplemental claim. Roof Next handles all supplementals.

"Actual Cash Value" vs. "Replacement Cost Value"
Many Connecticut policies pay "actual cash value" initially — meaning they depreciate your 15-year-old shingles significantly. After the work is done, submit proof and receive the withheld "recoverable depreciation."

Trying to attribute damage to "normal wear and tear"
The most common claim denial tactic. Roof Next's documentation specifically identifies storm-related damage vs. age-related wear.

Requiring you to use their "preferred contractor"
Connecticut law does not require you to use an insurer's preferred contractor. You have the right to choose your own licensed CT roofer.

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