Whether you are a homeowner, contractor, adjuster, carrier, or regulator, this page provides direct access to the information needed to evaluate performance, complete claim files, and support premium roofing decisions.
Why BRAVA for Risk Reduction
Insurance outcomes are shaped by material durability, installation quality, and long-term performance. BRAVA roofing systems are engineered to reduce variability and improve lifecycle value.
- Durability & Longevity - Designed for extended service life to help reduce repeat replacements and lifecycle claims.
- Consistent Quality Control - Manufactured in the USA with standardized testing and ongoing quality validation to reduce performance variability.
- Code & Compliance Support - Clear documentation pathways to assist with jurisdictional review and file completeness.
- Resilience Positioning - Performance characteristics aligned with regional hazards including wind, hail, and fire (based on applicable certifications).
For Homeowners
Understanding Roof Insurance Coverage
Most homeowners' policies (often HO-3) include:
The most common type of homeowners insurance is an HO-3 policy. HO-3 policies typically have open perils coverage on the structure of a house and named perils coverage for your personal property.
- Covered events commonly include wind, hail, debris, and fire.
- Check with your insurance agent and/or carrier for specific coverages including any roof schedule (if applicable) and associated deductibles you have.
Step-by-Step Process for Filing a Roofing Claim
1. Document the damage: Take photos and videos. Keep receipts. A qualified contractor can help identify visible and functional damage.
2. Notify your insurer and insurance agent promptly: Confirm coverage details and filing timelines.
3. Submit required documentation: Provide proof-of-loss forms and supporting evidence.
4. Make temporary repairs if needed: Prevent further damage. Save all receipts.
5. Meet with the adjuster: Having your contractor present can help ensure technical damage details are properly evaluated.
Important Insurance Terms
- Actual Cash Value (ACV) - Replacement cost minus depreciation.
- Replacement Cost - The cost to restore your roof to pre-loss condition.
- Deductible - Your out-of-pocket responsibility, typically a fixed dollar amount or percentage of insured value.
- Lines of Coverage - Dwelling, Other Structures, Personal Property, and Additional Living Expense.
Roof Age & Coverage
Coverage terms can vary based on roof age, material, and condition. Older roofs may be covered differently than newer installations. Review your policy carefully and contact your insurance agent with any questions or to discuss your specific coverage.
Ways Roofing May Help Lower Premiums
Certain roofing materials and resilience designations may qualify for carrier discounts and/or state discounts or grants (where available).
FORTIFIED Roof™
The IBHS FORTIFIED™ standard is a voluntary construction and reroofing program designed to enhance protection against severe weather. Some states or carriers may offer related incentives.
Impact-Resistant Roofing
Products meeting UL 2218 Class 3 or Class 4 impact ratings may qualify for discounts in hail-prone regions, depending on carrier and state.
For Adjusters & Carriers
We support claim accuracy and speed with:
- Product data sheets
- Installation guides
- Warranty overviews
- Maintenance documentation
- Third-party testing summaries
- Evaluation reports
- Peril-specific performance ratings
What to Verify On-Site
- Roofing components and accessory integration
- Slope and ventilation compliance
- Installation alignment with manufacturer guidance
- Presence of enhanced system features or upgrades
If additional documentation is required, our team can respond quickly to support file completion. Contact us at [email protected]
Premium-Market Upgrades
When evaluating higher-end materials, consider:
- Lifecycle durability
- Replacement interval reduction
- Aesthetic integration with high-value properties
- Enhanced warranty structures
We are available to assist carriers reviewing specification upgrades or resilience-driven rebuilds.
For Regulators & Public Policy Leaders
Performance Transparency
We provide:
- Testing and validation summaries
- Quality control process documentation
- Code compliance materials
- Resilience overview briefs
Designed to support clear, efficient evaluation. If you need assistance, contact us at [email protected]
Frequently Asked Questions
Full product, warranty, and testing documentation is available for download or direct request.
Possibly. Coverage terms may change based on age and material type.
Sudden damage is typically covered; long-term wear and maintenance issues often are not.
Carriers determine whether repair or full replacement is appropriate.