This guide is for roofing contractors. It explains how an insurance claim turns into a roofing job, where the contractor fits in that process, the kinds of rules states place on contractors who work on claims, and the channels roofers use to reach homeowners with storm damage. It is general information, not legal advice.
Key points
- Insurers pay claims under the homeowner's policy. They do not generally sell or give homeowner contact details to roofers.
- The homeowner reports the claim, an adjuster inspects for the insurer, and the homeowner usually picks the contractor.
- Many states limit what contractors may do in a claim, such as waiving deductibles or negotiating the claim for the homeowner. Rules vary by state.
- Roofers get insurance claim roofing leads through storm response, homeowner education, referrals, local search and buying roofing leads.
Do insurance companies give leads to roofers?
Not in the usual sense. An insurance company's relationship is with its policyholder. When a homeowner reports roof damage, the insurer's job is to decide what the policy covers and pay the claim. Passing the homeowner's details to a roofer is not part of that job, and insurers do not generally sell claim information as leads.
Some insurers and claims service companies keep their own lists or networks of contractors for certain repairs. Joining one is an application to a contractor program on that company's terms. It is not the same as buying leads, and the terms differ by company.
So the practical question is different: how does a roofer reach homeowners who have storm damage and an open or likely claim? The rest of this page answers that.
How insurance claim roofing work arises
Most insurance claim roofing jobs follow a weather event. The order of steps is broadly the same from state to state, though the details depend on the policy and the insurer.
Weather event
Hail, high wind, a fallen tree or a severe storm damages roofs across an area, often many homes in the same ZIP codes at once.
Homeowner notices damage
The homeowner sees missing shingles, a leak or debris, or a neighbor or contractor points out damage.
Claim reported
The homeowner reports the loss to their own insurer, usually by phone, app or online form.
Adjuster inspection
An adjuster working for the insurer inspects the roof, documents the damage and prepares an estimate under the policy.
Claim decision
The insurer decides what is covered and issues payment, sometimes in more than one installment.
Contractor hired
The homeowner chooses a roofer, signs a contract and the work is done. The homeowner is responsible for the deductible.
Where the roofer fits depends on timing. Many homeowners call a roofer before they report the claim, to find out whether the damage is real. Others call after the adjuster has visited, with an estimate in hand. Both are storm damage roofing leads, but they need different conversations.
What a roofer can do in a claim, and what it may not
A roofer's role is to inspect the roof, document what it finds, give the homeowner a written estimate and do the work the homeowner hires it to do. States regulate the parts of a claim where contractor conduct can harm the homeowner or the insurer. The topics below come up in many states. Rules vary by state, so check with your state's contractor licensing board or insurance department before you change how you sell claim work.
| Topic | What the rules commonly address |
|---|---|
| Deductibles | Paying, waiving or rebating the homeowner's deductible, or advertising that you will |
| Acting for the homeowner | Negotiating the claim, interpreting the policy or adjusting the loss on the homeowner's behalf, which some states reserve for licensed public adjusters |
| Inducements | Gifts, cash or other incentives offered for an inspection or for filing a claim |
| Referral payments | Paying or accepting compensation for referring work that insurance proceeds will pay for |
| Advertising | Disclosures required on ads that encourage homeowners to file a roof claim |
| Contracts | Required notices in the contract and the homeowner's right to cancel, sometimes longer after a declared emergency |
| Door-to-door sales | Local permits and state cancellation rules for sales made at the home |
Two examples from state law
Texas. The Texas Business and Commerce Code makes it an offense for a seller of goods or services paid from a property insurance claim to advertise or promise to pay, waive or absorb the insured's deductible, or to give a rebate or credit that offsets it, without the insurer's consent. It also requires a deductible notice in contracts above a set amount (Tex. Bus. & Com. Code 27.02). The Texas Insurance Code requires the insured to pay any deductible on a property claim (Tex. Ins. Code chapter 707).
Florida. Florida law bars contractors from offering a homeowner a rebate, gift, cash, deductible waiver or other thing of value in exchange for a roof inspection or for making a roof claim. It bars contractors from interpreting policy provisions, advising on coverage or adjusting a claim for the insured unless they hold a public adjuster license. It also bars offering or accepting compensation for referring work paid by property insurance proceeds, sets disclosure requirements for ads that encourage a roof claim, and treats the acts of people soliciting on a contractor's behalf as the contractor's own acts (Fla. Stat. 489.147).
These summaries describe the statutes as published on October 6, 2026. They are not a complete list, and other states have their own rules. Find your state's insurance department in the NAIC directory of state insurance departments, and ask your own attorney how the rules apply to your business.
How to get roofing leads from insurance claims
Roofers who do claim work usually combine several channels. None of them guarantees jobs, and each has its own cost in time or money.
- Plan a storm response. Follow public storm reports for your service area, decide in advance which ZIP codes you will work, and have crews, materials and inspection slots ready before the season starts.
- Educate homeowners. Publish plain pages on your own site about checking a roof after hail or wind, how a claim usually works and the fact that the homeowner pays the deductible. Homeowners who search after a storm find these pages.
- Work your past customers and neighbors. Homes near a past job were often hit by the same storm. Follow your state and local rules on door-to-door sales and solicitation.
- Keep local search listings current. Many homeowners search for a roofer the day they notice a leak.
- Buy roofing leads. Real-time leads from homeowners who asked for a roof inspection or estimate reach people at the moment they are looking. See roofing leads for buyers.
| Channel | What it takes | What to watch |
|---|---|---|
| Storm response | Storm tracking, crews and inspection capacity on short notice | Local permit and solicitation rules in each town you work |
| Homeowner education | Written pages, photos and time to rank in search | Content must not promise that a claim will be paid or a deductible covered |
| Past customers and neighbors | A customer list and follow-up after each job | Consent before calling or texting people who are not your customers |
| Local search | An accurate listing, reviews and a working phone line | Answering calls quickly after a storm |
| Bought roofing leads | A budget, service area, filters and a fast first call | How the seller's ads describe insurance claims |
For the full list of roofing channels, see roofing lead generation. For how lead types differ, see types of leads, and for why the first call matters, see speed to lead.
Buying storm damage roofing leads
A storm damage roofing lead is a homeowner who asked for a roof inspection or estimate after weather damage and agreed to be contacted by a roofing contractor. Before you buy them, ask the seller these questions:
- How are the leads generated? Ask to see the ads and landing pages. Ads that promise a free roof or say the homeowner will pay nothing can create problems for the contractor who buys the lead, especially where state law covers people who solicit on a contractor's behalf.
- Does the form ask about damage and claims? A field for storm damage, and whether a claim has been reported, helps you choose the right first conversation.
- Who does the consent name? The homeowner should have agreed to contact from a roofing contractor. See TCPA compliance for home service leads.
- Which ZIP codes and dates? Storm demand moves quickly. Make sure your filters and caps match the areas you can serve this week.
- What are the returnReturnA buyer's request for credit on a lead that fails agreed standards, such as a disconnected number, a duplicate or a lead outside the filters. Glossary terms? Agree in writing which leads can be returned, such as wrong numbers or addresses outside your area.
Ad rules for storm angles are covered in ad claims to avoid in home improvement offers.
Claim roofing leads are not home insurance leads
The names sound close, but they are different products. An insurance claim roofing lead is a homeowner who wants a roofer. A home insurance lead is a person who wants a quote for a new homeowners policy, and it is bought by insurance agencies, not contractors. See home insurance leads and home improvement vs home insurance leads for how the two compare.
Common mistakes
- Waiting for referrals from insurers or adjusters. An adjuster works for the insurer on the claim. Sending homeowners to roofers is not part of that job.
- Offering to cover the deductible. Texas and Florida both restrict it, as shown above, and other states have their own rules on deductibles.
- Speaking for the homeowner with the insurer. Negotiating or adjusting a claim is regulated in many states. Know your state's rule before you offer it.
- Buying leads without seeing the ads. The way a lead was generated can create risk for the contractor who works it.
- Treating every storm leadStorm leadA roofing or exterior lead from a homeowner whose property was damaged by hail, wind or another storm, often with an insurance claim open or planned. Glossary the same. A homeowner who has not reported a claim needs an inspection first. One with an adjuster's estimate needs a written repair estimate.
Frequently asked questions
What is an insurance claim roofing lead?
A homeowner with roof damage, usually from hail, wind or a storm, who asked a roofer for an inspection or estimate and may be paying for the work through a claim on their homeowners policy.
Do insurance adjusters refer homeowners to roofers?
An adjuster's job is to assess the claim for the insurer, not to send homeowners to contractors. The homeowner usually chooses the roofer. Some insurers run their own contractor programs on their own terms.
Can a roofer negotiate a claim for the homeowner?
It depends on the state. Some states, such as Florida, bar contractors from adjusting a claim or advising on coverage unless they hold a public adjuster license. Check with your state's contractor licensing board or insurance department.
When do storm damage roofing leads come in?
Mostly in the days and weeks after hail or wind in an area, when homeowners notice damage and start asking for inspections. Volume follows the weather, so it changes by region and season.
Related guides
Sources
- Florida Statutes 489.147, Prohibited property insurance practices, Florida Legislatureleg.state.fl.us
- Texas Business and Commerce Code chapter 27, section 27.02, Texas Legislaturetcss.legis.texas.gov
- Texas Insurance Code chapter 707, Payment of insurance deductible, Texas Legislaturetcss.legis.texas.gov
- State insurance departments, National Association of Insurance Commissionerscontent.naic.org
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