Discovering damage to your roof is stressful enough. Navigating the insurance claim that follows shouldn't make it worse. Between the paperwork, the adjusters, and the back and forth with your provider, the process can feel overwhelming at a time when you just want your home back to normal.
At T. Simpson Roofing, we know that one of the most frustrating parts of the insurance claims process isn't the damage itself. It's the silence. Unanswered calls, slow email replies, and weeks of waiting for updates from restoration companies and insurers are more common than they should be. We're not the kind of company that hands you a report and disappears. We pick up the phone, we reply to emails, and when a homeowner is stressed and needs answers, we go out of our way to get them. That's not a policy. It's just who we are.
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Not all roof damage is covered by home insurance, but a lot of it is. Here’s what typically qualifies:
High winds are one of the most common causes of roof damage in Central Ontario. Missing shingles, lifted flashing, and damaged ridge caps are all wind-related issues that are commonly covered.
Hail can cause significant damage to shingles that isn't always obvious to the untrained eye. Dents, bruising, and granule loss from hail impacts are typically covered under most home insurance policies.
Ice dams form when snow melts and refreezes at the roof's edge, forcing water back under the shingles. The resulting water damage is a common claim for Central Ontario homeowners.
Damage caused by fallen trees, branches, or other debris is generally covered under most standard home insurance policies.
Severe storms that cause sudden, accidental damage to your roof are typically covered, including damage from heavy snow loads and freezing rain.
Let us take a look before you do anything else. We'll assess the damage and help you understand your options before you file a claim.
We support homeowners through every stage of the process. Here’s what that looks like in practice:
We start with a thorough inspection of your roof to identify and document all damage. We look beyond the obvious problem areas to make sure the full scope of the damage is captured accurately.
Insurance claims live and die by the details. We provide clear, thorough documentation of all damage findings, the kind of report that gives your claim the strongest possible foundation.
When you call us, we answer. When you email us, we reply. That might sound basic but in the insurance claims world it's rarer than it should be. If you're stuck waiting on answers from your restoration company or insurer, we'll do everything we can to help move things along. We have relationships with the right people and we're not afraid to pick up the phone on your behalf when you need us to.
Our role in the claims process has a defined scope, but our commitment to the homeowners we work with doesn't. If your adjuster needs information from us, we're available. If you're not getting the answers you need from others involved in your claim, we'll do what we can to help bridge that gap. We go beyond our role because we genuinely care about getting your home back to normal as quickly as possible.
Once your claim is approved, we provide a detailed and accurate quote for the repair or replacement work needed. No inflated estimates, no shortcuts.
We complete the work to the same high standard we bring to every job, using quality materials backed by our industry-leading warranties.
Have questions about where to start?
Less than 2% of roofing contractors in North America earn this designation. It means every assessment and repair we carry out is held to the highest standards in the industry.
Every repair or replacement we complete as part of an insurance claim is backed by a 50-year material warranty and a 25-year labour warranty. We stand behind our work long after the job is done.
Since 1992, we've helped homeowners across Central Ontario navigate storm damage and insurance claims. We know this region's weather and we know what it does to roofs.
If your claim doesn't cover everything, we offer flexible financing options to help bridge the gap without compromising on quality.
The insurance claims process doesn't have to be complicated. Here are the answers to the questions we hear most often from homeowners dealing with storm and weather damage.
The best way to find out is to have the damage professionally assessed and then review your policy with your insurance provider. Generally speaking, sudden and accidental damage caused by storms, wind, hail, or falling debris is covered. Gradual wear and tear typically is not. We can help you document the damage and understand what you're dealing with before you file.
It depends on the extent of the damage and your deductible. If the repair cost is close to or below your deductible, it may not be worth filing a claim. If the damage is significant, filing is almost always the right move. We can help you assess the situation honestly so you can make an informed decision.
That depends on your insurance provider and your claims history. It's worth asking your insurer directly before you file. We can give you a clear picture of the repair costs so you can weigh that against any potential premium impact.
Some insurers require multiple quotes and some don't. Check with your provider before you begin. Either way, our assessment and quote will be thorough, accurate, and detailed enough to satisfy most insurer requirements.
Timelines vary depending on your insurer and the complexity of the claim. We do our best to turn around our documentation and quotes quickly so we're never the bottleneck in your process.
If your claim is denied, we'll help you understand why and walk you through your options. In some cases there are grounds to appeal a decision, and having thorough documentation from the start puts you in the best position to do so.
Our formal role in the process means we wait for the adjuster to come to us rather than the other way around, and when they do we're always available and ready to help. What we can tell you is that when homeowners aren't getting the responses they need from others in the process, they call us. And we answer. We have relationships with the right people and we're not shy about using them when a homeowner needs us to. It's not always strictly our job but it's always the right thing to do.
After significant damage from the 2025 ice storm, I’m so thankful that our insurance connected us with T.Simpson Roofing!
Terry is outstanding. He worked with our insurance advisor and acted as our advocate to ensure the damage was repaired correctly.
Each installation crew (roofing, eavestrough, and front door) completed the work efficiently and with excellent workmanship.
Tiffany has kept us well informed along this journey.
Thank you to all team members!
I highly recommend T.Simpson Roofing as they are truly professionals!
We had two quotes on our roof. One looked at the roof from the ground and said "You're good for another five years." We already had some leakage. Terry Simpson, on the other hand, got up on the roof, found two places where the wood underlay needed replacement, and gave a proper quote. Informed that we had done part of the roof only a year ago (insurance after a major storm), Terry volunteered to talk to our insurers and convinced them that they had not done enough the year before - the whole roof should have been replaced. And now it has been covered by insurance.
Get the same honest, thorough support that homeowners across Central Ontario count on when it matters most. Book your free assessment today.
T. Simpson Roofing operates out of two locations in Barrie and Newmarket, giving us strong coverage across the region.
Simcoe County: Barrie, Innisfil, Bradford West Gwillimbury, Collingwood, and surrounding communities.
York Region & GTA North: Newmarket, Aurora, East Gwillimbury, Georgina, Richmond Hill, Markham, Stouffville, and Uxbridge.
No matter where you are in our service area, you get the same thorough assessment, the same honest guidance, and the same commitment to getting your home back to normal.
When it comes to your roof insurance claim, having the right contractor in your corner makes all the difference. Our certifications are proof that T. Simpson Roofing is held to the highest standards in the industry and that insurers and homeowners alike can trust our assessments and our work.
The sooner you act after storm damage, the better your claim outcome is likely to be. Contact T. Simpson Roofing today for a free, no-obligation assessment across Barrie, Newmarket, and Central Ontario.
